Call reports 2015
BEAL BANK USA — 2015
What BEAL BANK USA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 5,449,717,000 | 5,322,639,000 | 5,242,014,000 | 4,930,909,000 |
| Total loans | 3,339,119,000 | 3,434,629,000 | 3,365,061,000 | 3,134,058,000 |
| Allowance for loan losses | 120,697,000 | 131,347,000 | 97,558,000 | 114,609,000 |
| Securities available for sale | 1,545,747,000 | 1,488,030,000 | 1,414,584,000 | 1,338,770,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,541,184,000 | 2,566,318,000 | 2,583,633,000 | 2,501,554,000 |
| Interest-bearing deposits | 2,517,707,000 | 2,549,078,000 | 2,565,533,000 | 2,482,407,000 |
| Noninterest-bearing deposits | 23,477,000 | 17,240,000 | 18,100,000 | 19,147,000 |
| Equity capital | 2,097,278,000 | 1,945,379,000 | 1,920,761,000 | 1,721,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 100,736,000 | 199,605,000 | 298,534,000 | 395,498,000 |
| Interest expense | 5,063,000 | 10,300,000 | 15,563,000 | 21,010,000 |
| Net interest income | 95,673,000 | 189,305,000 | 282,971,000 | 374,488,000 |
| Noninterest income | 2,964,000 | 5,744,000 | 15,577,000 | 16,560,000 |
| Noninterest expense | 20,018,000 | 42,988,000 | 68,259,000 | 96,508,000 |
| Provision for loan losses | 60,483,000 | 114,987,000 | 172,025,000 | 391,909,000 |
| Pretax income | 13,195,000 | 24,604,000 | 37,593,000 | -126,813,000 |
| Income tax | 1,351,000 | 2,936,000 | 3,379,000 | -3,537,000 |
| Net income | 11,844,000 | 21,668,000 | 34,214,000 | -123,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,780,214,000 | 1,648,037,000 | 1,660,583,000 | 1,503,093,000 |
| Total capital | 1,843,568,000 | 1,712,657,000 | 1,723,094,000 | 1,562,651,000 |
| Risk-weighted assets | 5,011,009,000 | 5,102,908,000 | 4,965,843,000 | 4,709,619,000 |