Call reports 2005
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2005
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 143,030,000 | 152,855,000 | 152,670,000 | 162,737,000 |
| Total loans | 102,578,000 | 102,425,000 | 99,921,000 | 97,830,000 |
| Allowance for loan losses | 1,311,000 | 1,341,000 | 1,381,000 | 1,381,000 |
| Securities available for sale | 30,600,000 | 34,918,000 | 35,665,000 | 50,137,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,450,000 | 120,817,000 | 124,213,000 | 130,315,000 |
| Interest-bearing deposits | 93,650,000 | 93,259,000 | 98,355,000 | 104,526,000 |
| Noninterest-bearing deposits | 23,800,000 | 27,558,000 | 25,858,000 | 25,788,000 |
| Equity capital | 14,930,000 | 15,575,000 | 15,271,000 | 19,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 2,090,000 | 4,239,000 | 6,613,000 | 9,146,000 |
| Interest expense | 523,000 | 1,117,000 | 1,832,000 | 2,680,000 |
| Net interest income | 1,567,000 | 3,122,000 | 4,781,000 | 6,466,000 |
| Noninterest income | 226,000 | 428,000 | 665,000 | 864,000 |
| Noninterest expense | 1,173,000 | 2,354,000 | 3,540,000 | 4,843,000 |
| Provision for loan losses | 60,000 | 120,000 | 160,000 | 160,000 |
| Pretax income | 560,000 | 1,076,000 | 1,746,000 | 2,327,000 |
| Income tax | 6,000 | 12,000 | 18,000 | 24,000 |
| Net income | 554,000 | 1,064,000 | 1,728,000 | 2,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,351,000 | 12,461,000 | 12,375,000 | 16,950,000 |
| Total capital | 13,662,000 | 13,867,000 | 13,805,000 | 18,386,000 |
| Risk-weighted assets | 111,392,000 | 115,213,000 | 114,369,000 | 114,841,000 |