Call reports 2018
BEACON BANK & TRUST — 2018
What BEACON BANK & TRUST reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 4,570,926,000 | 4,595,627,000 | 4,597,903,000 | 4,644,193,000 |
| Total loans | 4,061,456,000 | 4,095,998,000 | 4,115,008,000 | 4,174,976,000 |
| Allowance for loan losses | 39,982,000 | 37,825,000 | 38,904,000 | 38,010,000 |
| Securities available for sale | 231,361,000 | 232,547,000 | 220,142,000 | 196,461,000 |
| Securities held to maturity | 85,690,000 | 85,147,000 | 84,459,000 | 83,732,000 |
| Trading assets | 9,561,000 | 12,173,000 | 16,480,000 | 16,244,000 |
| Total deposits | 3,213,192,000 | 3,209,823,000 | 3,301,288,000 | 3,427,400,000 |
| Interest-bearing deposits | 2,629,293,000 | 2,656,296,000 | 2,681,621,000 | 2,851,083,000 |
| Noninterest-bearing deposits | 583,899,000 | 553,527,000 | 619,667,000 | 576,317,000 |
| Equity capital | 485,162,000 | 500,186,000 | 515,188,000 | 523,240,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 47,621,000 | 100,206,000 | 154,048,000 | 209,957,000 |
| Interest expense | 7,852,000 | 18,198,000 | 30,884,000 | 44,499,000 |
| Net interest income | 39,769,000 | 82,008,000 | 123,164,000 | 165,458,000 |
| Noninterest income | 1,871,000 | 3,912,000 | 7,272,000 | 10,373,000 |
| Noninterest expense | 23,114,000 | 44,404,000 | 65,545,000 | 88,229,000 |
| Provision for loan losses | 516,000 | 1,269,000 | 3,309,000 | 2,746,000 |
| Pretax income | 17,942,000 | 40,179,000 | 61,514,000 | 84,962,000 |
| Income tax | 4,293,000 | 10,012,000 | 14,805,000 | 20,399,000 |
| Net income | 12,854,000 | 28,474,000 | 44,242,000 | 61,074,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 466,275,000 | 482,746,000 | 499,149,000 | 506,277,000 |
| Total capital | 507,381,000 | 521,610,000 | 539,157,000 | 545,533,000 |
| Risk-weighted assets | 3,885,590,000 | 3,926,036,000 | 3,943,027,000 | 4,110,056,000 |