Call reports 2005
BENEFICIAL BANK — 2005
What BENEFICIAL BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,387,934,000 | 2,428,237,000 | 2,384,385,000 | 2,388,873,000 |
| Total loans | 1,645,246,000 | 1,720,840,000 | 1,715,053,000 | 1,732,830,000 |
| Allowance for loan losses | 17,143,000 | 17,302,000 | 17,348,000 | 17,096,000 |
| Securities available for sale | 404,203,000 | 355,370,000 | 349,120,000 | 339,921,000 |
| Securities held to maturity | 191,474,000 | 181,582,000 | 171,392,000 | 163,320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,625,842,000 | 1,677,896,000 | 1,672,284,000 | 1,670,157,000 |
| Interest-bearing deposits | 1,531,679,000 | 1,587,655,000 | 1,580,481,000 | 1,573,239,000 |
| Noninterest-bearing deposits | 94,163,000 | 90,241,000 | 91,803,000 | 96,918,000 |
| Equity capital | 265,894,000 | 269,707,000 | 270,982,000 | 275,090,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 27,950,000 | 56,889,000 | 86,578,000 | 117,034,000 |
| Interest expense | 11,256,000 | 23,713,000 | 36,934,000 | 51,366,000 |
| Net interest income | 16,694,000 | 33,176,000 | 49,644,000 | 65,668,000 |
| Noninterest income | 1,969,000 | 3,960,000 | 6,545,000 | 9,423,000 |
| Noninterest expense | 13,435,000 | 27,486,000 | 41,489,000 | 56,245,000 |
| Provision for loan losses | 525,000 | 1,125,000 | 1,575,000 | 1,702,000 |
| Pretax income | 4,762,000 | 9,095,000 | 13,937,000 | 18,137,000 |
| Income tax | 1,227,000 | 2,323,000 | 3,461,000 | 2,999,000 |
| Net income | 3,535,000 | 6,772,000 | 10,476,000 | 15,138,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 258,514,000 | 260,717,000 | 264,572,000 | 269,364,000 |
| Total capital | 276,304,000 | 278,419,000 | 282,216,000 | 286,711,000 |
| Risk-weighted assets | 1,523,249,000 | 1,575,407,000 | 1,573,802,000 | 1,600,836,000 |