Call reports 2002
BENEFICIAL BANK — 2002
What BENEFICIAL BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 2,053,924,000 | 2,089,507,000 | 2,135,428,000 | 2,164,971,000 |
| Total loans | 1,354,692,000 | 1,370,264,000 | 1,354,824,000 | 1,391,174,000 |
| Allowance for loan losses | 16,236,000 | 16,960,000 | 16,939,000 | 16,804,000 |
| Securities available for sale | 349,792,000 | 349,160,000 | 400,618,000 | 349,001,000 |
| Securities held to maturity | 246,635,000 | 252,575,000 | 260,651,000 | 314,749,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,492,462,000 | 1,493,571,000 | 1,507,767,000 | 1,521,401,000 |
| Interest-bearing deposits | 1,423,330,000 | 1,422,641,000 | 1,437,075,000 | 1,444,839,000 |
| Noninterest-bearing deposits | 69,132,000 | 70,930,000 | 70,692,000 | 76,562,000 |
| Equity capital | 223,690,000 | 231,209,000 | 237,607,000 | 241,428,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 31,657,000 | 63,668,000 | 94,768,000 | 125,167,000 |
| Interest expense | 14,567,000 | 28,818,000 | 42,507,000 | 55,744,000 |
| Net interest income | 17,090,000 | 34,850,000 | 52,261,000 | 69,423,000 |
| Noninterest income | 1,530,000 | 2,993,000 | 4,425,000 | 5,699,000 |
| Noninterest expense | 11,177,000 | 22,328,000 | 33,964,000 | 45,480,000 |
| Provision for loan losses | 600,000 | 1,350,000 | 1,650,000 | 1,950,000 |
| Pretax income | 7,363,000 | 14,792,000 | 21,883,000 | 28,503,000 |
| Income tax | 2,275,000 | 4,525,000 | 6,675,000 | 8,550,000 |
| Net income | 5,088,000 | 10,267,000 | 15,208,000 | 19,953,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 222,878,000 | 228,008,000 | 232,913,000 | 237,332,000 |
| Total capital | 239,114,000 | 244,968,000 | 249,852,000 | 254,136,000 |
| Risk-weighted assets | 1,340,192,000 | 1,361,144,000 | 1,365,166,000 | 1,382,391,000 |