Call reports 2023
BEACON COMMUNITY BANK — 2023
What BEACON COMMUNITY BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 533,316,000 | 572,574,000 | 619,118,000 | 652,485,000 |
| Total loans | 471,632,000 | 504,346,000 | 538,018,000 | 569,401,000 |
| Allowance for loan losses | 5,419,000 | 5,524,000 | 5,569,000 | 5,569,000 |
| Securities available for sale | 33,345,000 | 32,287,000 | 30,933,000 | 30,896,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,394,000 | 427,900,000 | 518,855,000 | 512,745,000 |
| Interest-bearing deposits | 386,888,000 | 366,595,000 | 461,709,000 | 446,809,000 |
| Noninterest-bearing deposits | 55,506,000 | 61,305,000 | 57,146,000 | 65,936,000 |
| Equity capital | 45,964,000 | 48,602,000 | 48,140,000 | 49,266,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 5,487,000 | 11,746,000 | 19,074,000 | 26,932,000 |
| Interest expense | 1,938,000 | 4,528,000 | 8,396,000 | 12,900,000 |
| Net interest income | 3,549,000 | 7,218,000 | 10,678,000 | 14,032,000 |
| Noninterest income | 143,000 | 329,000 | 500,000 | 684,000 |
| Noninterest expense | 2,858,000 | 5,854,000 | 8,921,000 | 12,454,000 |
| Provision for loan losses | 173,000 | 278,000 | 323,000 | 323,000 |
| Pretax income | 661,000 | 1,415,000 | 1,934,000 | 1,939,000 |
| Income tax | 168,000 | 355,000 | 483,000 | 482,000 |
| Net income | 493,000 | 1,060,000 | 1,451,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,221,000 | 53,267,000 | 53,406,000 | 53,485,000 |
| Total capital | 55,401,000 | 58,791,000 | 58,975,000 | 59,054,000 |
| Risk-weighted assets | 414,201,000 | 448,325,000 | 485,512,000 | 526,778,000 |