Call reports 2023
BEAL BANK USA — 2023
What BEAL BANK USA reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 32,045,498,000 | 26,129,810,000 | 24,703,672,000 | 21,981,385,000 |
| Total loans | 2,556,320,000 | 2,340,357,000 | 2,347,125,000 | 2,785,792,000 |
| Allowance for loan losses | 12,289,000 | 9,818,000 | 15,258,000 | 22,177,000 |
| Securities available for sale | 18,757,604,000 | 18,160,529,000 | 16,958,106,000 | 13,282,308,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,188,915,000 | 12,943,228,000 | 10,951,689,000 | 8,692,602,000 |
| Interest-bearing deposits | 19,072,780,000 | 12,827,533,000 | 10,902,546,000 | 8,660,182,000 |
| Noninterest-bearing deposits | 116,135,000 | 115,695,000 | 49,143,000 | 32,420,000 |
| Equity capital | 2,927,388,000 | 3,036,110,000 | 3,402,542,000 | 3,281,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 254,121,000 | 590,489,000 | 850,446,000 | 1,061,050,000 |
| Interest expense | 210,705,000 | 464,820,000 | 681,887,000 | 903,088,000 |
| Net interest income | 43,416,000 | 125,669,000 | 168,559,000 | 157,962,000 |
| Noninterest income | -65,902,000 | 331,057,000 | 920,570,000 | 703,000,000 |
| Noninterest expense | 112,573,000 | 192,847,000 | 297,059,000 | 410,323,000 |
| Provision for loan losses | -10,848,000 | -7,946,000 | 7,755,000 | 73,507,000 |
| Pretax income | -105,618,000 | 290,525,000 | 802,191,000 | 290,197,000 |
| Income tax | -24,335,000 | 66,916,000 | 183,028,000 | 68,896,000 |
| Net income | -81,283,000 | 223,609,000 | 619,163,000 | 221,301,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,274,781,000 | 3,564,672,000 | 3,945,227,000 | 3,547,364,000 |
| Total capital | 3,286,229,000 | 3,573,663,000 | 3,958,464,000 | 3,571,068,000 |
| Risk-weighted assets | 4,856,903,000 | 4,697,779,000 | 4,385,986,000 | 5,324,687,000 |