Call reports 2009
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2009
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 178,266,000 | 182,708,000 | 173,534,000 | 173,337,000 |
| Total loans | 115,650,000 | 112,157,000 | 121,234,000 | 117,355,000 |
| Allowance for loan losses | 1,602,000 | 1,662,000 | 3,050,000 | 2,947,000 |
| Securities available for sale | 42,910,000 | 43,005,000 | 43,334,000 | 45,102,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,232,000 | 125,007,000 | 123,656,000 | 126,436,000 |
| Interest-bearing deposits | 99,902,000 | 103,716,000 | 103,320,000 | 105,467,000 |
| Noninterest-bearing deposits | 20,329,000 | 21,291,000 | 20,336,000 | 20,969,000 |
| Equity capital | 18,763,000 | 18,262,000 | 15,502,000 | 12,824,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,143,000 | 4,231,000 | 6,294,000 | 8,374,000 |
| Interest expense | 690,000 | 1,409,000 | 2,116,000 | 2,810,000 |
| Net interest income | 1,453,000 | 2,822,000 | 4,178,000 | 5,564,000 |
| Noninterest income | 152,000 | 287,000 | 417,000 | 532,000 |
| Noninterest expense | 1,373,000 | 2,901,000 | 4,340,000 | 7,807,000 |
| Provision for loan losses | 60,000 | 120,000 | 3,630,000 | 3,744,000 |
| Pretax income | 202,000 | 159,000 | -3,304,000 | -5,272,000 |
| Income tax | 3,000 | 3,000 | 38,000 | 38,000 |
| Net income | 199,000 | 156,000 | -3,342,000 | -5,310,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,484,000 | 15,441,000 | 11,943,000 | 12,021,000 |
| Total capital | 17,167,000 | 17,071,000 | 13,627,000 | 13,646,000 |
| Risk-weighted assets | 134,654,000 | 130,277,000 | 133,235,000 | 128,612,000 |