Call reports 2013
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2013
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 111,454,000 | 125,189,000 | 125,762,000 | 121,689,000 |
| Total loans | 83,937,000 | 81,620,000 | 84,383,000 | 86,668,000 |
| Allowance for loan losses | 2,913,000 | 2,892,000 | 2,396,000 | 2,410,000 |
| Securities available for sale | 14,244,000 | 13,487,000 | 12,732,000 | 12,484,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,604,000 | 111,501,000 | 111,632,000 | 107,403,000 |
| Interest-bearing deposits | 79,454,000 | 87,850,000 | 87,391,000 | 79,085,000 |
| Noninterest-bearing deposits | 18,150,000 | 23,651,000 | 24,241,000 | 28,318,000 |
| Equity capital | 13,285,000 | 13,049,000 | 13,196,000 | 13,438,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,250,000 | 2,617,000 | 3,855,000 | 5,142,000 |
| Interest expense | 98,000 | 200,000 | 318,000 | 422,000 |
| Net interest income | 1,152,000 | 2,417,000 | 3,537,000 | 4,720,000 |
| Noninterest income | 227,000 | 305,000 | 380,000 | 467,000 |
| Noninterest expense | 1,247,000 | 2,477,000 | 3,968,000 | 5,196,000 |
| Provision for loan losses | 0 | 0 | -500,000 | -748,000 |
| Pretax income | 132,000 | 245,000 | 449,000 | 739,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 132,000 | 245,000 | 449,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,397,000 | 12,510,000 | 12,715,000 | 13,004,000 |
| Total capital | 13,470,000 | 13,537,000 | 13,751,000 | 14,058,000 |
| Risk-weighted assets | 84,003,000 | 80,229,000 | 81,493,000 | 82,954,000 |