Call reports 2001
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2001
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 128,979,000 | 132,205,000 | 132,007,000 | 130,903,000 |
| Total loans | 77,523,000 | 79,873,000 | 78,996,000 | 81,335,000 |
| Allowance for loan losses | 1,120,000 | 1,122,000 | 1,125,000 | 1,123,000 |
| Securities available for sale | 41,939,000 | 41,156,000 | 40,323,000 | 42,472,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,020,000 | 109,327,000 | 109,073,000 | 109,809,000 |
| Interest-bearing deposits | 97,394,000 | 92,275,000 | 93,274,000 | 93,424,000 |
| Noninterest-bearing deposits | 15,626,000 | 17,052,000 | 15,799,000 | 16,385,000 |
| Equity capital | 11,345,000 | 11,345,000 | 12,038,000 | 11,645,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,560,000 | 4,945,000 | 7,285,000 | 9,347,000 |
| Interest expense | 1,221,000 | 2,272,000 | 3,209,000 | 3,964,000 |
| Net interest income | 1,339,000 | 2,673,000 | 4,076,000 | 5,383,000 |
| Noninterest income | 176,000 | 363,000 | 576,000 | 778,000 |
| Noninterest expense | 906,000 | 1,837,000 | 2,779,000 | 3,725,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 596,000 | 1,191,000 | 1,865,000 | 2,428,000 |
| Income tax | 40,000 | 80,000 | 123,000 | 162,000 |
| Net income | 556,000 | 1,111,000 | 1,742,000 | 2,266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,407,000 | 8,612,000 | 8,893,000 | 9,017,000 |
| Total capital | 9,475,000 | 9,727,000 | 10,018,000 | 10,140,000 |
| Risk-weighted assets | 85,171,000 | 89,193,000 | 93,496,000 | 92,813,000 |