Call reports 2008
BEAL BANK USA — 2008
What BEAL BANK USA reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,755,318,000 | 2,212,629,000 | 2,471,900,000 | 3,105,584,000 |
| Total loans | 673,286,000 | 1,090,400,000 | 1,396,482,000 | 1,669,761,000 |
| Allowance for loan losses | 6,100,000 | 9,450,000 | 12,200,000 | 19,850,000 |
| Securities available for sale | 10,670,000 | 10,172,000 | 10,244,000 | 10,250,000 |
| Securities held to maturity | 1,020,559,000 | 1,015,400,000 | 1,010,063,000 | 1,320,555,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,034,000 | 466,292,000 | 330,904,000 | 711,104,000 |
| Interest-bearing deposits | 16,223,000 | 438,494,000 | 328,616,000 | 710,062,000 |
| Noninterest-bearing deposits | 37,811,000 | 27,798,000 | 2,288,000 | 1,042,000 |
| Equity capital | 1,535,334,000 | 1,568,112,000 | 1,599,559,000 | 1,644,556,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 37,763,000 | 78,762,000 | 122,047,000 | 185,192,000 |
| Interest expense | 351,000 | 2,719,000 | 8,374,000 | 16,204,000 |
| Net interest income | 37,412,000 | 76,043,000 | 113,673,000 | 168,988,000 |
| Noninterest income | 0 | 0 | 0 | 248,000 |
| Noninterest expense | 2,371,000 | 4,603,000 | 8,141,000 | 11,255,000 |
| Provision for loan losses | 2,935,000 | 6,285,000 | 9,035,000 | 16,685,000 |
| Pretax income | 32,106,000 | 65,133,000 | 96,475,000 | 141,270,000 |
| Income tax | 0 | 0 | 0 | -12,000 |
| Net income | 32,106,000 | 65,133,000 | 96,475,000 | 141,282,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,535,180,000 | 1,568,207,000 | 1,599,548,000 | 1,644,356,000 |
| Total capital | 1,541,280,000 | 1,577,657,000 | 1,611,748,000 | 1,664,206,000 |
| Risk-weighted assets | 1,643,585,000 | 1,946,055,000 | 2,115,741,000 | 2,834,971,000 |
Machine access — free, no API key
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