Call reports 2014
BEAL BANK USA — 2014
What BEAL BANK USA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 6,231,652,000 | 5,821,332,000 | 5,626,500,000 | 5,793,451,000 |
| Total loans | 3,530,215,000 | 3,599,266,000 | 3,472,146,000 | 3,515,024,000 |
| Allowance for loan losses | 95,800,000 | 87,441,000 | 78,793,000 | 120,690,000 |
| Securities available for sale | 1,811,956,000 | 1,799,131,000 | 1,653,014,000 | 1,586,635,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,191,197,000 | 2,783,294,000 | 2,440,239,000 | 2,743,420,000 |
| Interest-bearing deposits | 3,146,801,000 | 2,752,875,000 | 2,395,900,000 | 2,705,449,000 |
| Noninterest-bearing deposits | 44,396,000 | 30,419,000 | 44,339,000 | 37,971,000 |
| Equity capital | 2,157,268,000 | 2,223,523,000 | 2,379,861,000 | 2,241,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 137,606,000 | 276,849,000 | 399,682,000 | 505,284,000 |
| Interest expense | 6,011,000 | 11,665,000 | 16,952,000 | 22,220,000 |
| Net interest income | 131,595,000 | 265,184,000 | 382,730,000 | 483,064,000 |
| Noninterest income | 4,543,000 | 9,112,000 | 54,182,000 | 73,684,000 |
| Noninterest expense | 20,934,000 | 41,893,000 | 64,879,000 | 85,281,000 |
| Provision for loan losses | -651,000 | -7,451,000 | -9,494,000 | 36,976,000 |
| Pretax income | 113,732,000 | 237,198,000 | 391,194,000 | 442,899,000 |
| Income tax | 1,027,000 | 2,130,000 | 3,198,000 | 4,144,000 |
| Net income | 112,705,000 | 235,068,000 | 387,996,000 | 438,755,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,812,318,000 | 1,859,682,000 | 1,997,610,000 | 1,908,369,000 |
| Total capital | 1,877,680,000 | 1,926,722,000 | 2,060,508,000 | 1,971,637,000 |
| Risk-weighted assets | 5,198,553,000 | 5,342,782,000 | 5,015,969,000 | 5,004,001,000 |