Call reports 2022
BEACON COMMUNITY BANK — 2022
What BEACON COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 407,141,000 | 438,739,000 | 469,154,000 | 498,326,000 |
| Total loans | 336,793,000 | 380,904,000 | 407,021,000 | 441,996,000 |
| Allowance for loan losses | 3,999,000 | 4,526,000 | 4,837,000 | 5,255,000 |
| Securities available for sale | 39,599,000 | 36,575,000 | 33,805,000 | 33,094,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 355,712,000 | 382,322,000 | 395,796,000 | 410,549,000 |
| Interest-bearing deposits | 301,349,000 | 318,712,000 | 331,683,000 | 347,626,000 |
| Noninterest-bearing deposits | 54,363,000 | 63,610,000 | 64,113,000 | 62,923,000 |
| Equity capital | 36,983,000 | 37,208,000 | 36,923,000 | 37,610,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 3,430,000 | 7,349,000 | 11,726,000 | 16,724,000 |
| Interest expense | 470,000 | 1,020,000 | 1,823,000 | 3,085,000 |
| Net interest income | 2,960,000 | 6,329,000 | 9,903,000 | 13,639,000 |
| Noninterest income | 111,000 | 241,000 | 373,000 | 539,000 |
| Noninterest expense | 1,965,000 | 4,133,000 | 6,446,000 | 8,993,000 |
| Provision for loan losses | 365,000 | 892,000 | 1,203,000 | 1,621,000 |
| Pretax income | 741,000 | 1,545,000 | 2,627,000 | 3,564,000 |
| Income tax | 192,000 | 405,000 | 683,000 | 935,000 |
| Net income | 549,000 | 1,140,000 | 1,944,000 | 2,629,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,979,000 | 40,727,000 | 41,812,000 | 42,529,000 |
| Total capital | 42,653,000 | 44,868,000 | 46,236,000 | 47,341,000 |
| Risk-weighted assets | 293,635,000 | 330,932,000 | 353,579,000 | 384,542,000 |