Call reports 2010
BENEFICIAL BANK — 2010
What BENEFICIAL BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 4,702,391,000 | 4,869,121,000 | 4,891,682,000 | 4,922,436,000 |
| Total loans | 2,784,825,000 | 2,809,540,000 | 2,768,638,000 | 2,796,328,000 |
| Allowance for loan losses | 46,390,000 | 50,895,000 | 44,960,000 | 45,367,000 |
| Securities available for sale | 1,450,059,000 | 1,230,089,000 | 1,415,662,000 | 1,538,435,000 |
| Securities held to maturity | 71,534,000 | 114,843,000 | 88,782,000 | 86,609,000 |
| Trading assets | 3,526,000 | 25,575,000 | 0 | 6,316,000 |
| Total deposits | 3,635,124,000 | 3,665,350,000 | 3,900,661,000 | 3,981,826,000 |
| Interest-bearing deposits | 3,364,495,000 | 3,383,707,000 | 3,605,058,000 | 3,696,332,000 |
| Noninterest-bearing deposits | 270,629,000 | 281,643,000 | 295,603,000 | 285,494,000 |
| Equity capital | 604,544,000 | 617,471,000 | 594,221,000 | 579,184,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 50,048,000 | 101,680,000 | 148,950,000 | 197,411,000 |
| Interest expense | 13,851,000 | 26,393,000 | 38,703,000 | 50,167,000 |
| Net interest income | 36,197,000 | 75,287,000 | 110,247,000 | 147,244,000 |
| Noninterest income | 6,323,000 | 12,624,000 | 17,084,000 | 21,654,000 |
| Noninterest expense | 30,396,000 | 61,620,000 | 93,756,000 | 124,373,000 |
| Provision for loan losses | 4,950,000 | 11,150,000 | 62,200,000 | 70,200,000 |
| Pretax income | 8,284,000 | 16,251,000 | -27,145,000 | -24,178,000 |
| Income tax | 1,335,000 | 3,557,000 | -18,228,000 | -14,938,000 |
| Net income | 6,949,000 | 12,694,000 | -8,917,000 | -9,240,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 448,304,000 | 458,467,000 | 439,152,000 | 432,374,000 |
| Total capital | 481,866,000 | 493,469,000 | 473,214,000 | 467,051,000 |
| Risk-weighted assets | 2,654,975,000 | 2,774,734,000 | 2,710,575,000 | 2,755,796,000 |