Call reports 2012
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2012
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 111,505,000 | 114,037,000 | 112,783,000 | 114,774,000 |
| Total loans | 80,418,000 | 86,537,000 | 86,889,000 | 85,090,000 |
| Allowance for loan losses | 3,080,000 | 2,956,000 | 2,961,000 | 2,911,000 |
| Securities available for sale | 19,904,000 | 19,342,000 | 15,129,000 | 14,757,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,024,000 | 100,419,000 | 98,938,000 | 100,939,000 |
| Interest-bearing deposits | 74,576,000 | 77,696,000 | 75,949,000 | 78,397,000 |
| Noninterest-bearing deposits | 23,448,000 | 22,723,000 | 22,989,000 | 22,542,000 |
| Equity capital | 12,777,000 | 12,920,000 | 13,138,000 | 13,253,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,279,000 | 2,558,000 | 3,871,000 | 5,148,000 |
| Interest expense | 114,000 | 226,000 | 341,000 | 451,000 |
| Net interest income | 1,165,000 | 2,332,000 | 3,530,000 | 4,697,000 |
| Noninterest income | 104,000 | 205,000 | 398,000 | 479,000 |
| Noninterest expense | 1,250,000 | 2,474,000 | 3,676,000 | 4,875,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 19,000 | 63,000 | 252,000 | 301,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 19,000 | 63,000 | 252,000 | 301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,983,000 | 12,027,000 | 12,216,000 | 12,265,000 |
| Total capital | 13,034,000 | 13,115,000 | 13,287,000 | 13,329,000 |
| Risk-weighted assets | 82,040,000 | 85,153,000 | 83,703,000 | 83,204,000 |