Vitals
  • Total Assets
    911.1M
  • Total Deposits
    637.0M
  • Total Net Loans
    690.3M
  • Net Income
    3.6M
  • Book Value
    111.6M
  • Book Value x2
    223.1M
  • Book Value x3
    334.7M
ROAA

.484

ROAE

4.417

Efficiency Ratio

67.948

Net Interest Margin

2.898

Balance Sheet Highlights
Financial Highlights Beacon Federal All Insured Savings Banks in New York
Balance Sheet $(000)
Total Assets 911,054 1,156,807
Total Net Loans 690,291 661,951
Total Deposits 636,962 914,468
Total Equity 111,571 131,669
Profitability
Net Income 3,612 5,521
Return on Average Assets .484 .514
Return on Average Equity 4.417 4.411
Net Interest Margin 2.898 3.358
Efficiency Ratio 67.948 75.931
Noninterest Income/Revenue 12.5 11.157
Balance Sheet Ratios
Loan-to-Deposit 108.372 77.964
Securities/Assets .172 .177
Total Equity/Total Assets .122 .114
Tangible Equity/Tangible Assets .121 .107
Capital Adequacy
Tier 1 Common Capital — —
Tier 1 Capital 111,739 124,122
Tier 2 Capital 8,678 6,479
Total Capital 120,417 130,536
Total Risk Weighted Assets 716,381 622,212
Leverage Ratio 12.27 11.401
Common Equity Tier 1 Capital Ratio — —
Tier 1 Capital Ratio 15.6 20.314
Total Capital Ratio 16.81 21.303

Timeline for Beacon Federal

Berkshire Bank

Beacon Federal was acquired by Berkshire Bank 11 years

View Profile Oct 19 2012

Beacon Comprehensive Services Corporation

Beacon Comprehensive Services Corporation became a new subsidiary organization for Beacon Federal.

View Profile Jul 21 2011

Beacon Federal Bancorp, Inc.

Beacon Federal Bancorp, Inc. became a new parent organization for Beacon Federal.

View Profile Oct 01 2007

Marcy Federal Credit Union

Acquisition: Beacon Federal acquired a new subsidiary, Marcy Federal Credit Union , 17 years

View Profile Dec 30 2006

Salt City Hospital Federal Savings And Loan

Acquisition: Beacon Federal acquired a new subsidiary, Salt City Hospital Federal Savings And Loan, 21 years

View Profile Feb 14 2003

Want to see more?

Complete timeline for Beacon Federal is available.

View Complete Timeline
Acquisitions & Mergers Role Assets Acct Method Type Transaction Date
Berkshire Bank Buyer 7,893,906 Acquisition Discontinued 10/19/2012
Marcy Federal Credit Union Seller Discontinued 12/30/2006
Salt City Hospital Federal Savings And Loan Seller Discontinued 2/14/2003
Professional Teachers Credit Union Seller Discontinued 8/9/2001
Caney Fork Cooperative Credit Union Seller Discontinued 11/30/2000
G R Patriot Federal Credit Union Seller Discontinued 9/1/1995
Trucking Affiliates Federal Credit Union Seller Discontinued 4/20/1994
Tyler Area Central Credit Union Seller Failure 5/30/1992
M-1 Fcu Seller Discontinued 3/27/1985
Carrier Cu Seller Discontinued 8/1/1982
Relationships Role Relationship Start Relationship End
Beacon Federal Bancorp, Inc. Parent 7/21/2011 10/18/2012
Beacon Federal Bancorp, Inc. Parent 10/1/2007 7/20/2011
Beacon Comprehensive Services Corporation Subsidary 7/21/2011 10/18/2012
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