Call reports 2021
BEACON COMMUNITY BANK — 2021
What BEACON COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 300,736,000 | 337,139,000 | 343,801,000 | 373,703,000 |
| Total loans | 259,567,000 | 280,648,000 | 283,742,000 | 309,724,000 |
| Allowance for loan losses | 2,788,000 | 3,019,000 | 3,261,000 | 3,634,000 |
| Securities available for sale | 25,384,000 | 31,104,000 | 33,633,000 | 37,314,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,588,000 | 266,511,000 | 294,371,000 | 328,319,000 |
| Interest-bearing deposits | 191,813,000 | 223,260,000 | 250,528,000 | 275,252,000 |
| Noninterest-bearing deposits | 38,775,000 | 43,251,000 | 43,843,000 | 53,067,000 |
| Equity capital | 29,008,000 | 31,401,000 | 32,915,000 | 36,237,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,993,000 | 5,978,000 | 9,484,000 | 12,970,000 |
| Interest expense | 418,000 | 839,000 | 1,293,000 | 1,771,000 |
| Net interest income | 2,575,000 | 5,139,000 | 8,191,000 | 11,199,000 |
| Noninterest income | 152,000 | 251,000 | 351,000 | 468,000 |
| Noninterest expense | 1,700,000 | 3,630,000 | 5,519,000 | 7,271,000 |
| Provision for loan losses | 175,000 | 406,000 | 648,000 | 1,021,000 |
| Pretax income | 852,000 | 1,354,000 | 2,375,000 | 3,375,000 |
| Income tax | 38,000 | -1,128,000 | -880,000 | -636,000 |
| Net income | 814,000 | 2,482,000 | 3,255,000 | 4,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,405,000 | 31,217,000 | 32,864,000 | 36,426,000 |
| Total capital | 31,976,000 | 33,938,000 | 35,880,000 | 39,783,000 |
| Risk-weighted assets | 205,500,000 | 217,436,000 | 241,071,000 | 268,304,000 |