Call reports 2022
BEACON BANK & TRUST — 2022
What BEACON BANK & TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 5,650,962,000 | 5,548,288,000 | 5,673,314,000 | 6,055,752,000 |
| Total loans | 4,958,852,000 | 4,978,911,000 | 5,080,679,000 | 5,285,790,000 |
| Allowance for loan losses | 65,918,000 | 65,264,000 | 65,800,000 | 69,407,000 |
| Securities available for sale | 328,747,000 | 316,598,000 | 297,524,000 | 354,389,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 41,645,000 | 60,389,000 | 103,325,000 | 99,126,000 |
| Total deposits | 4,557,147,000 | 4,447,768,000 | 4,422,808,000 | 4,116,022,000 |
| Interest-bearing deposits | 3,194,949,000 | 3,180,908,000 | 3,151,770,000 | 3,022,370,000 |
| Noninterest-bearing deposits | 1,362,198,000 | 1,266,860,000 | 1,271,038,000 | 1,093,652,000 |
| Equity capital | 595,727,000 | 596,315,000 | 568,713,000 | 570,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 51,778,000 | 105,625,000 | 166,789,000 | 239,704,000 |
| Interest expense | 2,514,000 | 5,945,000 | 11,945,000 | 27,342,000 |
| Net interest income | 49,264,000 | 99,680,000 | 154,844,000 | 212,362,000 |
| Noninterest income | 2,853,000 | 7,039,000 | 11,048,000 | 16,657,000 |
| Noninterest expense | 27,558,000 | 55,903,000 | 85,198,000 | 116,802,000 |
| Provision for loan losses | -464,000 | 139,000 | 993,000 | 4,900,000 |
| Pretax income | 23,940,000 | 48,061,000 | 75,698,000 | 101,639,000 |
| Income tax | 6,025,000 | 12,022,000 | 16,376,000 | 19,861,000 |
| Net income | 17,915,000 | 36,039,000 | 59,322,000 | 81,778,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 578,253,000 | 585,319,000 | 571,149,000 | 570,530,000 |
| Total capital | 638,880,000 | 646,028,000 | 633,187,000 | 634,226,000 |
| Risk-weighted assets | 4,834,281,000 | 4,840,171,000 | 4,945,838,000 | 5,075,362,000 |