Call reports 2012
BENEFICIAL BANK — 2012
What BENEFICIAL BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 4,589,669,000 | 4,845,882,000 | 4,814,094,000 | 5,002,692,000 |
| Total loans | 2,551,672,000 | 2,599,419,000 | 2,491,319,000 | 2,446,868,000 |
| Allowance for loan losses | 55,120,000 | 55,621,000 | 55,840,000 | 57,649,000 |
| Securities available for sale | 1,087,881,000 | 1,051,917,000 | 1,030,627,000 | 1,267,306,000 |
| Securities held to maturity | 454,659,000 | 419,454,000 | 499,871,000 | 477,199,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,649,443,000 | 3,888,497,000 | 3,884,008,000 | 3,968,051,000 |
| Interest-bearing deposits | 3,356,534,000 | 3,565,358,000 | 3,577,532,000 | 3,637,720,000 |
| Noninterest-bearing deposits | 292,909,000 | 323,139,000 | 306,476,000 | 330,331,000 |
| Equity capital | 593,721,000 | 615,901,000 | 622,535,000 | 618,879,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 42,409,000 | 86,862,000 | 130,071,000 | 170,404,000 |
| Interest expense | 7,990,000 | 16,248,000 | 23,814,000 | 30,790,000 |
| Net interest income | 34,419,000 | 70,614,000 | 106,257,000 | 139,614,000 |
| Noninterest income | 6,301,000 | 12,292,000 | 18,297,000 | 22,383,000 |
| Noninterest expense | 29,143,000 | 61,684,000 | 91,638,000 | 120,250,000 |
| Provision for loan losses | 7,500,000 | 15,000,000 | 22,000,000 | 28,000,000 |
| Pretax income | 4,418,000 | 6,568,000 | 11,748,000 | 15,517,000 |
| Income tax | 454,000 | 626,000 | 1,699,000 | 1,612,000 |
| Net income | 3,964,000 | 5,942,000 | 10,049,000 | 13,905,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 446,721,000 | 452,053,000 | 454,193,000 | 454,505,000 |
| Total capital | 478,058,000 | 483,191,000 | 484,132,000 | 484,462,000 |
| Risk-weighted assets | 2,476,826,000 | 2,462,540,000 | 2,362,720,000 | 2,362,928,000 |