Call reports 2012
BEACON FEDERAL — 2012
What BEACON FEDERAL reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Total assets | 1,024,863,000 | 998,039,000 | 911,054,000 |
| Total loans | 762,477,000 | 748,042,000 | 702,085,000 |
| Allowance for loan losses | 13,832,000 | 13,027,000 | 11,794,000 |
| Securities available for sale | 171,924,000 | 166,806,000 | 150,514,000 |
| Securities held to maturity | 6,591,000 | 6,282,000 | 5,970,000 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 681,973,000 | 682,406,000 | 636,962,000 |
| Interest-bearing deposits | 635,125,000 | 634,213,000 | 631,067,000 |
| Noninterest-bearing deposits | 46,848,000 | 48,193,000 | 5,895,000 |
| Equity capital | 106,883,000 | 108,634,000 | 111,571,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Interest income | 11,588,000 | 22,413,000 | 32,257,000 |
| Interest expense | 4,352,000 | 8,526,000 | 11,678,000 |
| Net interest income | 7,236,000 | 13,887,000 | 20,579,000 |
| Noninterest income | 1,649,000 | 3,080,000 | 4,608,000 |
| Noninterest expense | 6,107,000 | 11,759,000 | 17,114,000 |
| Provision for loan losses | 604,000 | 1,590,000 | 2,075,000 |
| Pretax income | 2,107,000 | 3,229,000 | 5,698,000 |
| Income tax | 762,000 | 1,142,000 | 2,086,000 |
| Net income | 1,345,000 | 2,087,000 | 3,612,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 |
|---|---|---|---|
| Tier 1 capital | 108,234,000 | 109,677,000 | 111,739,000 |
| Total capital | 117,404,000 | 118,957,000 | 120,417,000 |
| Risk-weighted assets | 767,635,000 | 762,662,000 | 716,381,000 |