Call reports 2015
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2015
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 107,679,000 | 113,594,000 | 117,020,000 | 111,157,000 |
| Total loans | 82,293,000 | 80,834,000 | 80,847,000 | 86,221,000 |
| Allowance for loan losses | 2,332,000 | 2,332,000 | 2,303,000 | 2,303,000 |
| Securities available for sale | 13,024,000 | 11,791,000 | 10,975,000 | 9,993,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,286,000 | 98,383,000 | 101,319,000 | 95,167,000 |
| Interest-bearing deposits | 67,533,000 | 68,181,000 | 67,221,000 | 63,265,000 |
| Noninterest-bearing deposits | 24,753,000 | 30,202,000 | 34,097,000 | 31,902,000 |
| Equity capital | 14,645,000 | 14,503,000 | 14,913,000 | 15,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,224,000 | 2,366,000 | 3,611,000 | 4,739,000 |
| Interest expense | 60,000 | 117,000 | 173,000 | 225,000 |
| Net interest income | 1,164,000 | 2,249,000 | 3,438,000 | 4,514,000 |
| Noninterest income | 246,000 | 301,000 | 471,000 | 657,000 |
| Noninterest expense | 1,103,000 | 2,181,000 | 3,223,000 | 4,316,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 307,000 | 369,000 | 686,000 | 855,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 307,000 | 369,000 | 686,000 | 855,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,755,000 | 13,825,000 | 14,145,000 | 14,293,000 |
| Total capital | 14,824,000 | 14,863,000 | 15,205,000 | 15,443,000 |
| Risk-weighted assets | 84,994,000 | 81,726,000 | 83,521,000 | 90,765,000 |