Call reports 2004
BENEFICIAL BANK — 2004
What BENEFICIAL BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,265,220,000 | 2,264,924,000 | 2,316,173,000 | 2,328,677,000 |
| Total loans | 1,511,315,000 | 1,587,267,000 | 1,561,806,000 | 1,574,955,000 |
| Allowance for loan losses | 16,824,000 | 17,155,000 | 17,055,000 | 17,141,000 |
| Securities available for sale | 364,837,000 | 303,218,000 | 378,981,000 | 406,570,000 |
| Securities held to maturity | 257,504,000 | 234,811,000 | 221,814,000 | 205,584,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,567,743,000 | 1,576,928,000 | 1,622,392,000 | 1,609,622,000 |
| Interest-bearing deposits | 1,481,205,000 | 1,495,262,000 | 1,532,925,000 | 1,526,120,000 |
| Noninterest-bearing deposits | 86,538,000 | 81,666,000 | 89,467,000 | 83,502,000 |
| Equity capital | 260,801,000 | 259,236,000 | 261,466,000 | 265,424,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 27,010,000 | 53,719,000 | 80,666,000 | 108,067,000 |
| Interest expense | 10,284,000 | 20,436,000 | 30,998,000 | 41,947,000 |
| Net interest income | 16,726,000 | 33,283,000 | 49,668,000 | 66,120,000 |
| Noninterest income | 1,237,000 | 2,541,000 | 3,743,000 | 4,884,000 |
| Noninterest expense | 12,467,000 | 25,300,000 | 37,739,000 | 49,955,000 |
| Provision for loan losses | 525,000 | 1,275,000 | 1,800,000 | 2,400,000 |
| Pretax income | 5,485,000 | 10,203,000 | 14,866,000 | 16,661,000 |
| Income tax | 1,425,000 | 2,625,000 | 3,850,000 | 3,700,000 |
| Net income | 4,060,000 | 7,578,000 | 11,016,000 | 12,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 257,909,000 | 261,411,000 | 261,423,000 | 263,369,000 |
| Total capital | 276,145,000 | 279,380,000 | 279,196,000 | 281,331,000 |
| Risk-weighted assets | 1,432,559,000 | 1,464,920,000 | 1,468,884,000 | 1,467,051,000 |