Call reports 2020
BEAL BANK USA — 2020
What BEAL BANK USA reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 6,681,372,000 | 8,098,028,000 | 8,291,530,000 | 7,299,289,000 |
| Total loans | 4,101,982,000 | 4,134,298,000 | 4,209,578,000 | 3,376,215,000 |
| Allowance for loan losses | 41,036,000 | 41,651,000 | 59,293,000 | 103,928,000 |
| Securities available for sale | 1,440,734,000 | 2,485,259,000 | 2,339,375,000 | 1,169,420,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,814,730,000 | 3,989,428,000 | 5,473,944,000 | 4,778,630,000 |
| Interest-bearing deposits | 3,670,215,000 | 3,867,478,000 | 5,294,145,000 | 4,630,421,000 |
| Noninterest-bearing deposits | 144,515,000 | 121,950,000 | 179,799,000 | 148,209,000 |
| Equity capital | 2,112,890,000 | 2,398,301,000 | 2,433,100,000 | 2,404,900,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 81,514,000 | 176,539,000 | 276,166,000 | 361,835,000 |
| Interest expense | 14,474,000 | 26,818,000 | 34,989,000 | 40,309,000 |
| Net interest income | 67,040,000 | 149,721,000 | 241,177,000 | 321,526,000 |
| Noninterest income | -29,977,000 | -11,599,000 | 44,428,000 | 106,606,000 |
| Noninterest expense | 39,514,000 | 75,005,000 | 146,292,000 | 232,386,000 |
| Provision for loan losses | -16,836,000 | -16,543,000 | 47,095,000 | 159,132,000 |
| Pretax income | -4,267,000 | 161,408,000 | 137,821,000 | 196,956,000 |
| Income tax | -482,000 | 36,433,000 | 31,260,000 | 42,802,000 |
| Net income | -3,785,000 | 124,975,000 | 106,561,000 | 154,154,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,099,396,000 | 2,217,156,000 | 2,198,742,000 | 2,246,332,000 |
| Total capital | 2,140,432,000 | 2,258,807,000 | 2,258,035,000 | 2,321,790,000 |
| Risk-weighted assets | 6,965,374,000 | 7,894,849,000 | 7,647,789,000 | 6,008,133,000 |