Call reports 2009
BENEFICIAL BANK — 2009
What BENEFICIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 4,038,382,000 | 4,170,492,000 | 4,428,255,000 | 4,664,931,000 |
| Total loans | 2,544,042,000 | 2,694,724,000 | 2,750,736,000 | 2,789,772,000 |
| Allowance for loan losses | 37,345,000 | 43,234,000 | 42,742,000 | 45,856,000 |
| Securities available for sale | 1,034,102,000 | 1,054,671,000 | 1,153,257,000 | 1,280,468,000 |
| Securities held to maturity | 64,062,000 | 58,086,000 | 52,176,000 | 48,009,000 |
| Trading assets | 0 | 0 | 0 | 31,825,000 |
| Total deposits | 2,954,531,000 | 3,073,745,000 | 3,317,324,000 | 3,551,649,000 |
| Interest-bearing deposits | 2,708,758,000 | 2,822,724,000 | 3,085,200,000 | 3,307,818,000 |
| Noninterest-bearing deposits | 245,773,000 | 251,021,000 | 232,124,000 | 243,831,000 |
| Equity capital | 583,764,000 | 581,852,000 | 595,786,000 | 596,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 47,475,000 | 94,391,000 | 142,785,000 | 192,798,000 |
| Interest expense | 18,089,000 | 34,624,000 | 50,418,000 | 65,755,000 |
| Net interest income | 29,386,000 | 59,767,000 | 92,367,000 | 127,043,000 |
| Noninterest income | 6,194,000 | 10,955,000 | 16,097,000 | 21,324,000 |
| Noninterest expense | 28,172,000 | 57,393,000 | 87,534,000 | 118,235,000 |
| Provision for loan losses | 3,000,000 | 10,100,000 | 12,100,000 | 15,697,000 |
| Pretax income | 7,247,000 | 6,874,000 | 13,658,000 | 19,263,000 |
| Income tax | -26,000 | -288,000 | 1,036,000 | 547,000 |
| Net income | 7,273,000 | 7,162,000 | 12,622,000 | 18,716,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 429,542,000 | 429,574,000 | 442,446,000 | 439,865,000 |
| Total capital | 459,670,000 | 461,091,000 | 474,969,000 | 473,090,000 |
| Risk-weighted assets | 2,402,139,000 | 2,506,607,000 | 2,580,520,000 | 2,631,630,000 |