Call reports 2016
BEAL BANK USA — 2016
What BEAL BANK USA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,997,141,000 | 5,643,032,000 | 5,424,220,000 | 5,294,920,000 |
| Total loans | 3,214,090,000 | 3,862,991,000 | 3,520,968,000 | 3,525,271,000 |
| Allowance for loan losses | 113,419,000 | 119,771,000 | 115,083,000 | 185,894,000 |
| Securities available for sale | 1,257,757,000 | 1,281,861,000 | 1,276,726,000 | 957,884,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,625,989,000 | 3,203,899,000 | 2,882,381,000 | 3,037,241,000 |
| Interest-bearing deposits | 2,613,769,000 | 3,198,784,000 | 2,868,763,000 | 3,025,900,000 |
| Noninterest-bearing deposits | 12,220,000 | 5,115,000 | 13,618,000 | 11,341,000 |
| Equity capital | 1,721,790,000 | 1,788,627,000 | 1,892,646,000 | 1,602,859,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 93,700,000 | 188,214,000 | 289,087,000 | 382,939,000 |
| Interest expense | 5,889,000 | 13,085,000 | 21,043,000 | 28,835,000 |
| Net interest income | 87,811,000 | 175,129,000 | 268,044,000 | 354,104,000 |
| Noninterest income | 2,284,000 | 1,560,000 | 8,642,000 | 25,654,000 |
| Noninterest expense | 23,335,000 | 45,161,000 | 77,146,000 | 110,444,000 |
| Provision for loan losses | 7,232,000 | 14,164,000 | 10,513,000 | 242,514,000 |
| Pretax income | 32,637,000 | 86,396,000 | 155,799,000 | 67,652,000 |
| Income tax | 108,000 | 659,000 | 810,000 | 660,000 |
| Net income | 32,529,000 | 85,737,000 | 154,989,000 | 66,992,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,535,622,000 | 1,588,830,000 | 1,658,082,000 | 1,470,051,000 |
| Total capital | 1,595,855,000 | 1,659,331,000 | 1,722,804,000 | 1,535,778,000 |
| Risk-weighted assets | 4,765,430,000 | 5,590,850,000 | 5,127,407,000 | 5,137,998,000 |