Call reports 2012
BEAL BANK USA — 2012
What BEAL BANK USA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 5,974,924,000 | 5,936,893,000 | 6,224,279,000 | 6,259,899,000 |
| Total loans | 3,019,117,000 | 2,857,235,000 | 3,298,986,000 | 3,233,299,000 |
| Allowance for loan losses | 85,240,000 | 84,963,000 | 91,542,000 | 99,156,000 |
| Securities available for sale | 1,897,562,000 | 1,804,169,000 | 1,888,700,000 | 1,899,292,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,095,078,000 | 3,152,003,000 | 3,148,020,000 | 3,271,993,000 |
| Interest-bearing deposits | 3,095,078,000 | 3,152,003,000 | 3,148,020,000 | 3,271,993,000 |
| Noninterest-bearing deposits | 0 | 0 | 0 | 0 |
| Equity capital | 1,987,100,000 | 1,892,081,000 | 2,184,252,000 | 2,110,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 157,154,000 | 313,818,000 | 460,416,000 | 615,722,000 |
| Interest expense | 4,779,000 | 9,270,000 | 14,152,000 | 19,197,000 |
| Net interest income | 152,375,000 | 304,548,000 | 446,264,000 | 596,525,000 |
| Noninterest income | 8,388,000 | 22,525,000 | 32,617,000 | 42,791,000 |
| Noninterest expense | 20,079,000 | 41,574,000 | 76,373,000 | 105,008,000 |
| Provision for loan losses | 6,163,000 | 11,397,000 | 32,091,000 | 46,421,000 |
| Pretax income | 122,427,000 | 236,930,000 | 321,848,000 | 435,133,000 |
| Income tax | 1,000 | 10,000 | 95,000 | 108,000 |
| Net income | 122,426,000 | 236,920,000 | 321,753,000 | 435,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,935,227,000 | 1,849,721,000 | 1,934,555,000 | 1,822,827,000 |
| Total capital | 1,995,693,000 | 1,908,414,000 | 1,996,630,000 | 1,885,871,000 |
| Risk-weighted assets | 4,812,472,000 | 4,669,180,000 | 4,936,496,000 | 5,007,418,000 |