Call reports 2025
BEACON COMMUNITY BANK — 2025
What BEACON COMMUNITY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 836,761,000 | 878,038,000 | 957,482,000 | 964,035,000 |
| Total loans | 751,656,000 | 794,876,000 | 839,147,000 | 847,653,000 |
| Allowance for loan losses | 5,981,000 | 6,336,000 | 6,710,000 | 8,458,000 |
| Securities available for sale | 26,696,000 | 26,456,000 | 27,405,000 | 27,206,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 672,770,000 | 676,413,000 | 766,637,000 | 747,821,000 |
| Interest-bearing deposits | 595,528,000 | 587,632,000 | 686,988,000 | 668,295,000 |
| Noninterest-bearing deposits | 77,242,000 | 88,781,000 | 79,649,000 | 79,526,000 |
| Equity capital | 60,751,000 | 63,922,000 | 75,684,000 | 76,086,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,777,000 | 22,616,000 | 35,359,000 | 48,715,000 |
| Interest expense | 6,000,000 | 12,450,000 | 19,437,000 | 26,738,000 |
| Net interest income | 4,777,000 | 10,166,000 | 15,922,000 | 21,977,000 |
| Noninterest income | 326,000 | 679,000 | 1,531,000 | 1,914,000 |
| Noninterest expense | 4,048,000 | 8,320,000 | 12,589,000 | 16,911,000 |
| Provision for loan losses | 205,000 | 497,000 | 970,000 | 2,794,000 |
| Pretax income | 850,000 | 2,028,000 | 3,869,000 | 4,161,000 |
| Income tax | 44,000 | 305,000 | 749,000 | 768,000 |
| Net income | 806,000 | 1,723,000 | 3,120,000 | 3,393,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 64,417,000 | 67,465,000 | 78,862,000 | 79,134,000 |
| Total capital | 70,398,000 | 73,801,000 | 85,886,000 | 87,906,000 |
| Risk-weighted assets | 686,865,000 | 725,084,000 | 752,716,000 | 763,304,000 |