Call reports 2019
BEAL BANK USA — 2019
What BEAL BANK USA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 5,457,630,000 | 5,269,206,000 | 4,840,074,000 | 5,515,656,000 |
| Total loans | 3,470,929,000 | 3,707,236,000 | 3,225,656,000 | 3,957,606,000 |
| Allowance for loan losses | 81,106,000 | 80,412,000 | 78,772,000 | 47,506,000 |
| Securities available for sale | 684,567,000 | 668,189,000 | 689,269,000 | 689,948,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,711,034,000 | 2,607,020,000 | 2,245,478,000 | 2,843,137,000 |
| Interest-bearing deposits | 2,514,292,000 | 2,589,160,000 | 2,215,447,000 | 2,808,107,000 |
| Noninterest-bearing deposits | 196,742,000 | 17,860,000 | 30,031,000 | 35,030,000 |
| Equity capital | 2,173,411,000 | 2,168,479,000 | 2,199,270,000 | 2,260,115,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 94,392,000 | 183,368,000 | 329,383,000 | 428,330,000 |
| Interest expense | 16,606,000 | 33,595,000 | 50,576,000 | 65,730,000 |
| Net interest income | 77,786,000 | 149,773,000 | 278,807,000 | 362,600,000 |
| Noninterest income | -69,218,000 | -117,615,000 | -152,382,000 | -114,786,000 |
| Noninterest expense | 38,330,000 | 66,675,000 | 94,508,000 | 136,553,000 |
| Provision for loan losses | -4,612,000 | -1,941,000 | -2,893,000 | -33,305,000 |
| Pretax income | -28,519,000 | -36,219,000 | 27,341,000 | 126,912,000 |
| Income tax | -8,231,000 | -9,740,000 | 4,818,000 | 27,069,000 |
| Net income | -20,288,000 | -26,479,000 | 22,523,000 | 99,843,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,028,050,000 | 2,021,859,000 | 2,055,861,000 | 2,118,181,000 |
| Total capital | 2,089,313,000 | 2,085,973,000 | 2,111,661,000 | 2,165,687,000 |
| Risk-weighted assets | 4,881,228,000 | 5,112,785,000 | 4,441,017,000 | 5,182,187,000 |