Call reports 2007
BEAL BANK USA — 2007
What BEAL BANK USA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,697,980,000 | 1,505,827,000 | 1,609,642,000 | 1,639,122,000 |
| Total loans | 356,888,000 | 260,897,000 | 244,622,000 | 538,236,000 |
| Allowance for loan losses | 2,200,000 | 2,200,000 | 2,100,000 | 3,165,000 |
| Securities available for sale | 205,000 | 206,000 | 190,000 | 8,141,000 |
| Securities held to maturity | 1,281,881,000 | 1,098,638,000 | 1,052,325,000 | 1,043,722,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 108,305,000 | 62,043,000 | 68,958,000 | 70,563,000 |
| Interest-bearing deposits | 23,678,000 | 21,393,000 | 20,435,000 | 20,384,000 |
| Noninterest-bearing deposits | 84,627,000 | 40,650,000 | 48,523,000 | 50,179,000 |
| Equity capital | 1,539,584,000 | 1,442,645,000 | 1,474,132,000 | 1,503,120,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 37,684,000 | 67,487,000 | 99,571,000 | 132,090,000 |
| Interest expense | 6,388,000 | 6,698,000 | 7,232,000 | 7,983,000 |
| Net interest income | 31,296,000 | 60,789,000 | 92,339,000 | 124,107,000 |
| Noninterest income | 5,613,000 | 19,224,000 | 19,224,000 | 19,224,000 |
| Noninterest expense | 1,732,000 | 3,655,000 | 6,034,000 | 7,970,000 |
| Provision for loan losses | -2,900,000 | -2,900,000 | -3,000,000 | -1,935,000 |
| Pretax income | 38,077,000 | 85,136,000 | 116,637,000 | 145,404,000 |
| Income tax | -18,000 | -18,000 | -18,000 | -193,000 |
| Net income | 38,095,000 | 85,154,000 | 116,655,000 | 145,597,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,539,572,000 | 1,442,631,000 | 1,474,132,000 | 1,503,074,000 |
| Total capital | 1,541,772,000 | 1,444,831,000 | 1,476,232,000 | 1,506,239,000 |
| Risk-weighted assets | 1,682,374,000 | 1,409,575,000 | 1,381,425,000 | 1,611,562,000 |
Machine access — free, no API key
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