Call reports 2022
BANESCO USA — 2022
What BANESCO USA 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 | 2,417,106,000 | 2,592,737,000 | 2,777,754,000 | 2,994,374,000 |
| Total loans | 1,729,739,000 | 1,921,142,000 | 2,127,820,000 | 2,338,609,000 |
| Allowance for loan losses | 21,858,000 | 21,979,000 | 24,935,000 | 26,454,000 |
| Securities available for sale | 483,181,000 | 424,660,000 | 399,996,000 | 219,381,000 |
| Securities held to maturity | 112,000 | 41,184,000 | 40,583,000 | 218,205,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,574,884,000 | 1,700,797,000 | 1,940,065,000 | 2,182,029,000 |
| Interest-bearing deposits | 818,909,000 | 866,902,000 | 1,007,766,000 | 1,347,023,000 |
| Noninterest-bearing deposits | 755,975,000 | 833,895,000 | 932,299,000 | 835,006,000 |
| Equity capital | 163,229,000 | 401,797,000 | 395,009,000 | 404,167,000 |
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 | 20,105,000 | 43,253,000 | 70,713,000 | 102,874,000 |
| Interest expense | 1,409,000 | 3,532,000 | 8,167,000 | 16,984,000 |
| Net interest income | 18,696,000 | 39,721,000 | 62,546,000 | 85,890,000 |
| Noninterest income | 3,475,000 | 7,096,000 | 11,271,000 | 14,952,000 |
| Noninterest expense | 15,467,000 | 31,046,000 | 47,957,000 | 64,946,000 |
| Provision for loan losses | 904,000 | 1,035,000 | 3,976,000 | 3,971,000 |
| Pretax income | 5,756,000 | 14,648,000 | 21,738,000 | 31,752,000 |
| Income tax | 1,661,000 | 4,028,000 | 5,995,000 | 8,643,000 |
| Net income | 4,095,000 | 10,620,000 | 15,743,000 | 23,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 190,258,000 | 446,796,000 | 451,936,000 | 459,312,000 |
| Total capital | 227,097,000 | 485,054,000 | 493,692,000 | 502,701,000 |
| Risk-weighted assets | 1,840,745,000 | 2,026,517,000 | 2,240,564,000 | 2,455,137,000 |