Call reports 2019
BEACON BANK & TRUST — 2019
What BEACON BANK & TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 4,741,674,000 | 4,821,898,000 | 4,979,031,000 | 4,966,140,000 |
| Total loans | 4,251,926,000 | 4,326,180,000 | 4,397,507,000 | 4,481,174,000 |
| Allowance for loan losses | 38,149,000 | 38,601,000 | 39,075,000 | 40,923,000 |
| Securities available for sale | 185,906,000 | 183,070,000 | 175,249,000 | 189,973,000 |
| Securities held to maturity | 82,758,000 | 80,104,000 | 77,873,000 | 68,716,000 |
| Trading assets | 23,177,000 | 42,366,000 | 60,976,000 | 45,310,000 |
| Total deposits | 3,580,358,000 | 3,524,830,000 | 3,544,406,000 | 3,560,266,000 |
| Interest-bearing deposits | 3,003,831,000 | 2,985,129,000 | 2,967,025,000 | 2,963,127,000 |
| Noninterest-bearing deposits | 576,527,000 | 539,701,000 | 577,381,000 | 597,139,000 |
| Equity capital | 522,782,000 | 539,514,000 | 542,562,000 | 544,387,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 56,901,000 | 115,850,000 | 174,817,000 | 233,186,000 |
| Interest expense | 15,164,000 | 31,724,000 | 48,668,000 | 64,624,000 |
| Net interest income | 41,737,000 | 84,126,000 | 126,149,000 | 168,562,000 |
| Noninterest income | 3,359,000 | 6,327,000 | 10,540,000 | 14,666,000 |
| Noninterest expense | 21,631,000 | 44,333,000 | 67,474,000 | 89,552,000 |
| Provision for loan losses | 1,164,000 | 4,239,000 | 4,810,000 | 7,960,000 |
| Pretax income | 22,301,000 | 41,881,000 | 64,405,000 | 85,716,000 |
| Income tax | 5,164,000 | 10,093,000 | 15,769,000 | 20,749,000 |
| Net income | 17,094,000 | 31,745,000 | 48,593,000 | 64,924,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 493,523,000 | 508,422,000 | 511,015,000 | 513,311,000 |
| Total capital | 532,850,000 | 548,260,000 | 551,310,000 | 555,474,000 |
| Risk-weighted assets | 4,219,449,000 | 4,345,373,000 | 4,475,271,000 | 4,487,727,000 |