Call reports 2014
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2014
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 116,177,000 | 120,403,000 | 119,453,000 | 112,352,000 |
| Total loans | 89,315,000 | 86,474,000 | 83,947,000 | 81,111,000 |
| Allowance for loan losses | 2,417,000 | 2,322,000 | 2,329,000 | 2,332,000 |
| Securities available for sale | 12,495,000 | 12,510,000 | 11,805,000 | 11,661,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 101,787,000 | 105,918,000 | 104,820,000 | 97,259,000 |
| Interest-bearing deposits | 82,449,000 | 80,489,000 | 79,968,000 | 73,286,000 |
| Noninterest-bearing deposits | 19,338,000 | 25,429,000 | 24,852,000 | 23,973,000 |
| Equity capital | 13,571,000 | 13,678,000 | 13,882,000 | 14,326,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,256,000 | 2,461,000 | 3,659,000 | 4,800,000 |
| Interest expense | 100,000 | 201,000 | 280,000 | 345,000 |
| Net interest income | 1,156,000 | 2,260,000 | 3,379,000 | 4,455,000 |
| Noninterest income | 63,000 | 130,000 | 266,000 | 832,000 |
| Noninterest expense | 1,262,000 | 2,443,000 | 3,566,000 | 4,897,000 |
| Provision for loan losses | 0 | 0 | 0 | -119,000 |
| Pretax income | -43,000 | -53,000 | 79,000 | 509,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -43,000 | -53,000 | 79,000 | 509,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,961,000 | 12,951,000 | 13,083,000 | 13,513,000 |
| Total capital | 14,040,000 | 13,988,000 | 14,083,000 | 14,522,000 |
| Risk-weighted assets | 84,983,000 | 81,645,000 | 78,635,000 | 79,372,000 |