Call reports 2013
BEAL BANK USA — 2013
What BEAL BANK USA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 6,631,921,000 | 6,246,134,000 | 6,339,144,000 | 6,817,551,000 |
| Total loans | 3,518,739,000 | 3,619,068,000 | 3,699,679,000 | 3,567,832,000 |
| Allowance for loan losses | 107,346,000 | 110,945,000 | 105,240,000 | 102,684,000 |
| Securities available for sale | 1,925,960,000 | 1,878,837,000 | 1,728,035,000 | 1,795,869,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,454,250,000 | 3,028,729,000 | 3,133,908,000 | 3,843,286,000 |
| Interest-bearing deposits | 3,313,110,000 | 2,972,117,000 | 3,079,376,000 | 3,793,412,000 |
| Noninterest-bearing deposits | 141,140,000 | 56,612,000 | 54,532,000 | 49,874,000 |
| Equity capital | 2,233,896,000 | 2,339,879,000 | 2,328,589,000 | 2,097,353,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 144,275,000 | 288,695,000 | 438,970,000 | 591,328,000 |
| Interest expense | 5,701,000 | 11,066,000 | 16,555,000 | 22,282,000 |
| Net interest income | 138,574,000 | 277,629,000 | 422,415,000 | 569,046,000 |
| Noninterest income | 30,206,000 | 36,528,000 | 44,269,000 | 49,435,000 |
| Noninterest expense | 25,172,000 | 49,745,000 | 76,850,000 | 99,099,000 |
| Provision for loan losses | 17,714,000 | 27,883,000 | 24,986,000 | 24,872,000 |
| Pretax income | 125,622,000 | 235,725,000 | 363,703,000 | 491,734,000 |
| Income tax | 67,000 | 110,000 | 201,000 | 614,000 |
| Net income | 125,555,000 | 235,615,000 | 363,502,000 | 491,120,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,883,381,000 | 1,993,442,000 | 2,046,996,000 | 1,774,614,000 |
| Total capital | 1,949,721,000 | 2,061,095,000 | 2,114,737,000 | 1,840,472,000 |
| Risk-weighted assets | 5,266,166,000 | 5,368,983,000 | 5,381,754,000 | 5,231,848,000 |