Call reports 2025
BEAL BANK USA — 2025
What BEAL BANK USA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 16,287,294,000 | 16,985,384,000 | 16,448,622,000 | 14,512,815,000 |
| Total loans | 3,623,041,000 | 3,558,072,000 | 3,535,116,000 | 3,969,423,000 |
| Allowance for loan losses | 24,012,000 | 23,874,000 | 34,235,000 | 41,522,000 |
| Securities available for sale | 11,483,459,000 | 11,537,110,000 | 11,572,394,000 | 9,053,625,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 8,914,506,000 | 5,793,101,000 | 5,075,175,000 | 3,550,782,000 |
| Interest-bearing deposits | 8,883,295,000 | 5,772,205,000 | 5,037,095,000 | 3,490,689,000 |
| Noninterest-bearing deposits | 31,211,000 | 20,896,000 | 38,080,000 | 60,093,000 |
| Equity capital | 3,101,516,000 | 3,105,543,000 | 3,152,158,000 | 2,787,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 217,030,000 | 442,388,000 | 638,342,000 | 810,030,000 |
| Interest expense | 122,292,000 | 249,621,000 | 377,136,000 | 476,519,000 |
| Net interest income | 94,738,000 | 192,767,000 | 261,206,000 | 333,511,000 |
| Noninterest income | -83,234,000 | -99,904,000 | -125,917,000 | -94,485,000 |
| Noninterest expense | 22,692,000 | 45,155,000 | 70,598,000 | 89,463,000 |
| Provision for loan losses | 1,062,000 | 22,220,000 | 23,791,000 | 30,789,000 |
| Pretax income | -15,505,000 | 22,441,000 | 42,387,000 | 127,089,000 |
| Income tax | -2,763,000 | 6,776,000 | 10,393,000 | 25,698,000 |
| Net income | -12,742,000 | 15,665,000 | 31,994,000 | 101,391,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,043,704,000 | 3,070,164,000 | 3,071,508,000 | 2,725,237,000 |
| Total capital | 3,068,858,000 | 3,094,982,000 | 3,106,720,000 | 2,768,071,000 |
| Risk-weighted assets | 5,769,997,000 | 5,708,554,000 | 5,305,229,000 | 5,093,358,000 |