Call reports 2003
BENEFICIAL BANK — 2003
What BENEFICIAL BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 2,225,065,000 | 2,243,593,000 | 2,274,858,000 | 2,255,358,000 |
| Total loans | 1,392,576,000 | 1,428,432,000 | 1,497,421,000 | 1,497,825,000 |
| Allowance for loan losses | 16,337,000 | 16,689,000 | 16,968,000 | 16,944,000 |
| Securities available for sale | 398,523,000 | 356,284,000 | 361,752,000 | 357,076,000 |
| Securities held to maturity | 315,748,000 | 340,742,000 | 294,708,000 | 264,812,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,585,916,000 | 1,584,036,000 | 1,575,618,000 | 1,559,138,000 |
| Interest-bearing deposits | 1,503,437,000 | 1,506,987,000 | 1,494,420,000 | 1,481,385,000 |
| Noninterest-bearing deposits | 82,479,000 | 77,049,000 | 81,198,000 | 77,753,000 |
| Equity capital | 244,810,000 | 247,801,000 | 252,139,000 | 256,374,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 29,681,000 | 58,361,000 | 85,810,000 | 113,620,000 |
| Interest expense | 12,512,000 | 24,575,000 | 35,736,000 | 46,494,000 |
| Net interest income | 17,169,000 | 33,786,000 | 50,074,000 | 67,126,000 |
| Noninterest income | 1,374,000 | 2,767,000 | 4,034,000 | 5,241,000 |
| Noninterest expense | 12,124,000 | 24,600,000 | 36,894,000 | 49,115,000 |
| Provision for loan losses | 675,000 | 1,500,000 | 2,250,000 | 2,775,000 |
| Pretax income | 5,746,000 | 10,752,000 | 15,439,000 | 22,094,000 |
| Income tax | 1,650,000 | 3,200,000 | 4,600,000 | 6,525,000 |
| Net income | 4,096,000 | 7,552,000 | 10,839,000 | 15,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 242,377,000 | 245,785,000 | 249,109,000 | 253,850,000 |
| Total capital | 259,039,000 | 262,906,000 | 266,877,000 | 272,178,000 |
| Risk-weighted assets | 1,390,540,000 | 1,410,693,000 | 1,444,560,000 | 1,434,369,000 |