Call reports 2006
BENEFICIAL BANK — 2006
What BENEFICIAL BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 2,361,337,000 | 2,366,019,000 | 2,369,872,000 | 2,293,762,000 |
| Total loans | 1,742,641,000 | 1,741,831,000 | 1,752,511,000 | 1,688,728,000 |
| Allowance for loan losses | 17,248,000 | 17,471,000 | 17,734,000 | 17,368,000 |
| Securities available for sale | 323,718,000 | 330,895,000 | 338,449,000 | 325,302,000 |
| Securities held to maturity | 157,840,000 | 150,629,000 | 144,958,000 | 130,357,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,679,763,000 | 1,691,666,000 | 1,688,250,000 | 1,686,466,000 |
| Interest-bearing deposits | 1,583,945,000 | 1,594,782,000 | 1,597,009,000 | 1,590,991,000 |
| Noninterest-bearing deposits | 95,818,000 | 96,885,000 | 91,241,000 | 95,475,000 |
| Equity capital | 276,254,000 | 276,890,000 | 283,110,000 | 268,470,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 30,420,000 | 61,789,000 | 94,254,000 | 127,273,000 |
| Interest expense | 14,419,000 | 29,666,000 | 46,129,000 | 62,899,000 |
| Net interest income | 16,001,000 | 32,123,000 | 48,125,000 | 64,374,000 |
| Noninterest income | 2,450,000 | 4,599,000 | 6,976,000 | 9,606,000 |
| Noninterest expense | 14,777,000 | 29,598,000 | 44,119,000 | 59,155,000 |
| Provision for loan losses | 600,000 | 1,200,000 | 1,575,000 | 1,575,000 |
| Pretax income | 3,691,000 | 6,711,000 | 10,194,000 | 13,979,000 |
| Income tax | 928,000 | 1,508,000 | 2,012,000 | 2,353,000 |
| Net income | 2,763,000 | 5,203,000 | 8,182,000 | 11,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 272,232,000 | 274,779,000 | 277,862,000 | 273,711,000 |
| Total capital | 289,861,000 | 292,457,000 | 295,765,000 | 291,079,000 |
| Risk-weighted assets | 1,584,082,000 | 1,585,670,000 | 1,589,858,000 | 1,549,564,000 |