Call reports 2018
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2018
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 127,499,000 | 136,623,000 | 139,967,000 | 127,940,000 |
| Total loans | 103,435,000 | 105,171,000 | 103,473,000 | 103,243,000 |
| Allowance for loan losses | 2,719,000 | 2,720,000 | 2,871,000 | 2,872,000 |
| Securities available for sale | 9,687,000 | 9,551,000 | 9,333,000 | 11,323,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,188,000 | 117,220,000 | 120,879,000 | 108,548,000 |
| Interest-bearing deposits | 69,992,000 | 75,463,000 | 79,497,000 | 76,438,000 |
| Noninterest-bearing deposits | 39,196,000 | 41,757,000 | 41,382,000 | 32,111,000 |
| Equity capital | 17,165,000 | 17,908,000 | 17,644,000 | 17,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,482,000 | 3,119,000 | 4,663,000 | 6,362,000 |
| Interest expense | 110,000 | 232,000 | 377,000 | 562,000 |
| Net interest income | 1,372,000 | 2,887,000 | 4,286,000 | 5,800,000 |
| Noninterest income | 532,000 | 1,303,000 | 1,826,000 | 2,121,000 |
| Noninterest expense | 1,652,000 | 3,109,000 | 4,651,000 | 6,279,000 |
| Provision for loan losses | 30,000 | 30,000 | 180,000 | 180,000 |
| Pretax income | 222,000 | 1,051,000 | 1,281,000 | 1,462,000 |
| Income tax | 3,000 | 4,000 | 6,000 | 8,000 |
| Net income | 219,000 | 1,047,000 | 1,275,000 | 1,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,965,000 | 16,634,000 | 16,462,000 | 17,294,000 |
| Total capital | 17,190,000 | 17,860,000 | 17,720,000 | 18,518,000 |
| Risk-weighted assets | 96,275,000 | 96,457,000 | 98,935,000 | 96,173,000 |