Call reports 2017
BEACON BANK & TRUST — 2017
What BEACON BANK & TRUST reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 3,951,406,000 | 4,036,433,000 | 4,076,786,000 | 4,161,552,000 |
| Total loans | 3,511,209,000 | 3,561,516,000 | 3,628,377,000 | 3,707,222,000 |
| Allowance for loan losses | 42,681,000 | 42,427,000 | 43,078,000 | 39,859,000 |
| Securities available for sale | 205,688,000 | 215,259,000 | 208,071,000 | 218,827,000 |
| Securities held to maturity | 80,052,000 | 85,508,000 | 84,674,000 | 86,893,000 |
| Trading assets | 6,412,000 | 6,971,000 | 7,139,000 | 6,081,000 |
| Total deposits | 2,808,036,000 | 2,887,073,000 | 2,874,175,000 | 2,897,237,000 |
| Interest-bearing deposits | 2,321,430,000 | 2,288,573,000 | 2,382,548,000 | 2,379,087,000 |
| Noninterest-bearing deposits | 486,606,000 | 598,500,000 | 491,627,000 | 518,150,000 |
| Equity capital | 389,041,000 | 400,315,000 | 413,058,000 | 418,417,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 40,630,000 | 82,913,000 | 126,693,000 | 170,932,000 |
| Interest expense | 5,345,000 | 10,920,000 | 16,804,000 | 23,420,000 |
| Net interest income | 35,285,000 | 71,993,000 | 109,889,000 | 147,512,000 |
| Noninterest income | 1,574,000 | 3,013,000 | 5,658,000 | 8,052,000 |
| Noninterest expense | 17,948,000 | 36,687,000 | 55,349,000 | 73,278,000 |
| Provision for loan losses | 7,506,000 | 8,707,000 | 10,318,000 | 13,160,000 |
| Pretax income | 11,405,000 | 29,612,000 | 49,880,000 | 69,126,000 |
| Income tax | 4,205,000 | 10,677,000 | 17,511,000 | 29,134,000 |
| Net income | 6,632,000 | 17,614,000 | 30,247,000 | 36,891,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 391,295,000 | 402,376,000 | 415,378,000 | 423,035,000 |
| Total capital | 433,961,000 | 445,768,000 | 459,389,000 | 463,986,000 |
| Risk-weighted assets | 3,412,337,000 | 3,471,324,000 | 3,520,792,000 | 3,582,626,000 |