Call reports 2011
BENEFICIAL BANK — 2011
What BENEFICIAL BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 4,894,617,000 | 4,707,725,000 | 4,625,895,000 | 4,590,203,000 |
| Total loans | 2,775,639,000 | 2,729,496,000 | 2,687,404,000 | 2,576,085,000 |
| Allowance for loan losses | 47,411,000 | 51,298,000 | 54,120,000 | 54,213,000 |
| Securities available for sale | 1,381,377,000 | 897,675,000 | 812,180,000 | 871,588,000 |
| Securities held to maturity | 77,912,000 | 406,914,000 | 414,319,000 | 482,695,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,994,641,000 | 3,800,752,000 | 3,641,171,000 | 3,659,465,000 |
| Interest-bearing deposits | 3,680,038,000 | 3,506,872,000 | 3,363,793,000 | 3,377,399,000 |
| Noninterest-bearing deposits | 314,603,000 | 293,880,000 | 277,378,000 | 282,066,000 |
| Equity capital | 570,776,000 | 585,252,000 | 591,096,000 | 590,983,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 46,892,000 | 92,601,000 | 136,566,000 | 180,056,000 |
| Interest expense | 10,288,000 | 20,329,000 | 29,533,000 | 38,209,000 |
| Net interest income | 36,604,000 | 72,272,000 | 107,033,000 | 141,847,000 |
| Noninterest income | 5,183,000 | 10,371,000 | 16,466,000 | 22,918,000 |
| Noninterest expense | 32,864,000 | 61,799,000 | 89,820,000 | 118,160,000 |
| Provision for loan losses | 10,000,000 | 20,000,000 | 29,000,000 | 37,500,000 |
| Pretax income | -891,000 | 1,263,000 | 5,164,000 | 9,626,000 |
| Income tax | -70,000 | 21,000 | -152,000 | -1,737,000 |
| Net income | -821,000 | 1,242,000 | 5,316,000 | 11,363,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 429,143,000 | 438,794,000 | 445,576,000 | 442,598,000 |
| Total capital | 463,149,000 | 471,169,000 | 477,382,000 | 473,486,000 |
| Risk-weighted assets | 2,697,469,000 | 2,561,730,000 | 2,521,892,000 | 2,447,053,000 |