Call reports 2019
BEACON COMMUNITY BANK — 2019
What BEACON COMMUNITY BANK 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 | 85,933,000 | 94,247,000 | 105,025,000 | 135,813,000 |
| Total loans | 59,945,000 | 68,231,000 | 85,717,000 | 116,041,000 |
| Allowance for loan losses | 713,000 | 771,000 | 986,000 | 1,334,000 |
| Securities available for sale | 7,865,000 | 6,600,000 | 6,717,000 | 7,284,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,248,000 | 64,055,000 | 75,408,000 | 102,829,000 |
| Interest-bearing deposits | 52,048,000 | 59,792,000 | 69,579,000 | 93,829,000 |
| Noninterest-bearing deposits | 3,200,000 | 4,263,000 | 5,829,000 | 9,000,000 |
| Equity capital | 28,960,000 | 28,392,000 | 27,781,000 | 28,014,000 |
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 | 804,000 | 1,776,000 | 2,887,000 | 4,174,000 |
| Interest expense | 200,000 | 456,000 | 767,000 | 1,129,000 |
| Net interest income | 604,000 | 1,320,000 | 2,120,000 | 3,045,000 |
| Noninterest income | 12,000 | 27,000 | 45,000 | 42,000 |
| Noninterest expense | 1,159,000 | 2,518,000 | 3,872,000 | 5,481,000 |
| Provision for loan losses | 181,000 | 239,000 | 454,000 | 802,000 |
| Pretax income | -724,000 | -1,324,000 | -2,075,000 | -3,110,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -724,000 | -1,324,000 | -2,075,000 | -3,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,838,000 | 28,319,000 | 27,648,000 | 27,895,000 |
| Total capital | 29,551,000 | 29,090,000 | 28,634,000 | 29,219,000 |
| Risk-weighted assets | 58,873,000 | 68,655,000 | 85,272,000 | 105,936,000 |