Call reports 2005
BEAL BANK USA — 2005
What BEAL BANK USA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 3,246,034,000 | 2,667,738,000 | 2,727,217,000 | 2,420,240,000 |
| Total loans | 1,008,877,000 | 887,767,000 | 918,233,000 | 640,217,000 |
| Allowance for loan losses | 10,000,000 | 10,000,000 | 10,000,000 | 6,500,000 |
| Securities available for sale | 391,000 | 384,000 | 237,000 | 2,077,000 |
| Securities held to maturity | 1,645,464,000 | 1,708,463,000 | 1,728,135,000 | 1,706,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 406,341,000 | 376,710,000 | 260,738,000 | 264,219,000 |
| Interest-bearing deposits | 403,263,000 | 374,525,000 | 258,364,000 | 235,010,000 |
| Noninterest-bearing deposits | 3,078,000 | 2,185,000 | 2,374,000 | 29,209,000 |
| Equity capital | 1,339,045,000 | 1,384,457,000 | 1,421,500,000 | 1,478,419,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 57,116,000 | 118,102,000 | 171,536,000 | 240,511,000 |
| Interest expense | 14,521,000 | 26,121,000 | 38,068,000 | 50,312,000 |
| Net interest income | 42,595,000 | 91,981,000 | 133,468,000 | 190,199,000 |
| Noninterest income | 0 | 0 | 0 | 762,000 |
| Noninterest expense | 4,224,000 | 8,197,000 | 12,642,000 | 16,504,000 |
| Provision for loan losses | 0 | 0 | 0 | -3,500,000 |
| Pretax income | 38,371,000 | 83,784,000 | 120,826,000 | 177,957,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 38,371,000 | 83,784,000 | 120,826,000 | 177,749,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,339,030,000 | 1,384,443,000 | 1,421,485,000 | 1,478,408,000 |
| Total capital | 1,349,030,000 | 1,394,443,000 | 1,431,485,000 | 1,484,908,000 |
| Risk-weighted assets | 2,814,083,000 | 2,650,001,000 | 2,705,527,000 | 2,399,547,000 |
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