Call reports 2007
BENEFICIAL BANK — 2007
What BENEFICIAL BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 2,266,486,000 | 2,568,402,000 | 3,514,276,000 | 3,541,695,000 |
| Total loans | 1,661,437,000 | 1,632,552,000 | 2,088,047,000 | 2,120,762,000 |
| Allowance for loan losses | 17,462,000 | 17,238,000 | 22,094,000 | 23,341,000 |
| Securities available for sale | 318,390,000 | 578,022,000 | 898,802,000 | 938,096,000 |
| Securities held to maturity | 125,428,000 | 120,711,000 | 116,027,000 | 111,986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,648,119,000 | 2,010,121,000 | 2,522,348,000 | 2,520,682,000 |
| Interest-bearing deposits | 1,561,298,000 | 1,920,277,000 | 2,262,459,000 | 2,272,818,000 |
| Noninterest-bearing deposits | 86,821,000 | 89,844,000 | 259,889,000 | 247,864,000 |
| Equity capital | 271,062,000 | 271,425,000 | 556,185,000 | 562,568,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 31,327,000 | 63,480,000 | 109,911,000 | 157,642,000 |
| Interest expense | 15,996,000 | 31,679,000 | 51,771,000 | 73,374,000 |
| Net interest income | 15,331,000 | 31,801,000 | 58,140,000 | 84,268,000 |
| Noninterest income | 2,453,000 | 4,716,000 | 8,383,000 | 13,835,000 |
| Noninterest expense | 15,873,000 | 32,671,000 | 57,772,000 | 90,045,000 |
| Provision for loan losses | 300,000 | 300,000 | 300,000 | 2,470,000 |
| Pretax income | 1,611,000 | 3,546,000 | 8,451,000 | 5,599,000 |
| Income tax | 37,000 | 126,000 | 3,434,000 | -770,000 |
| Net income | 1,574,000 | 3,420,000 | 5,017,000 | 6,369,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 274,920,000 | 276,938,000 | 427,194,000 | 412,551,000 |
| Total capital | 292,382,000 | 294,176,000 | 449,288,000 | 435,892,000 |
| Risk-weighted assets | 1,536,643,000 | 1,575,594,000 | 2,049,808,000 | 2,083,688,000 |