Call reports 2019
BEACON BUSINESS BANK, NATIONAL ASSOCIATION — 2019
What BEACON BUSINESS BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 136,398,000 | 137,478,000 | 140,620,000 | 155,459,000 |
| Total loans | 101,291,000 | 100,731,000 | 96,875,000 | 94,107,000 |
| Allowance for loan losses | 2,972,000 | 2,973,000 | 2,974,000 | 2,697,000 |
| Securities available for sale | 11,199,000 | 11,016,000 | 10,456,000 | 10,496,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 117,003,000 | 117,578,000 | 120,647,000 | 136,136,000 |
| Interest-bearing deposits | 89,882,000 | 82,349,000 | 89,875,000 | 98,177,000 |
| Noninterest-bearing deposits | 27,120,000 | 35,229,000 | 30,772,000 | 37,959,000 |
| Equity capital | 18,106,000 | 18,509,000 | 18,549,000 | 17,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,819,000 | 4,176,000 | 5,824,000 | 7,536,000 |
| Interest expense | 235,000 | 499,000 | 778,000 | 1,037,000 |
| Net interest income | 1,584,000 | 3,677,000 | 5,046,000 | 6,499,000 |
| Noninterest income | 376,000 | 590,000 | 751,000 | 974,000 |
| Noninterest expense | 1,642,000 | 3,159,000 | 4,639,000 | 6,432,000 |
| Provision for loan losses | 0 | 0 | 0 | 615,000 |
| Pretax income | 318,000 | 1,108,000 | 1,158,000 | 426,000 |
| Income tax | 2,000 | 5,000 | 7,000 | 10,000 |
| Net income | 316,000 | 1,103,000 | 1,151,000 | 416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,566,000 | 17,897,000 | 17,949,000 | 17,177,000 |
| Total capital | 18,799,000 | 19,125,000 | 19,132,000 | 18,364,000 |
| Risk-weighted assets | 96,869,000 | 96,463,000 | 92,765,000 | 93,455,000 |