Call reports 2013
BENEFICIAL BANK — 2013
What BENEFICIAL BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 4,758,799,000 | 4,696,934,000 | 4,680,216,000 | 4,578,788,000 |
| Total loans | 2,408,088,000 | 2,385,174,000 | 2,340,069,000 | 2,342,045,000 |
| Allowance for loan losses | 58,679,000 | 58,662,000 | 56,860,000 | 55,649,000 |
| Securities available for sale | 1,150,291,000 | 1,152,026,000 | 1,101,056,000 | 1,034,167,000 |
| Securities held to maturity | 557,157,000 | 568,369,000 | 540,391,000 | 528,829,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,825,243,000 | 3,777,354,000 | 3,780,429,000 | 3,705,228,000 |
| Interest-bearing deposits | 3,506,864,000 | 3,464,221,000 | 3,478,972,000 | 3,409,708,000 |
| Noninterest-bearing deposits | 318,379,000 | 313,133,000 | 301,457,000 | 295,520,000 |
| Equity capital | 620,049,000 | 609,231,000 | 613,333,000 | 598,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 37,962,000 | 75,660,000 | 112,968,000 | 149,376,000 |
| Interest expense | 6,309,000 | 12,690,000 | 19,116,000 | 25,290,000 |
| Net interest income | 31,653,000 | 62,970,000 | 93,852,000 | 124,086,000 |
| Noninterest income | 5,819,000 | 12,304,000 | 17,542,000 | 22,713,000 |
| Noninterest expense | 29,286,000 | 59,382,000 | 89,985,000 | 118,462,000 |
| Provision for loan losses | 5,000,000 | 10,000,000 | 11,500,000 | 13,000,000 |
| Pretax income | 4,019,000 | 7,529,000 | 11,842,000 | 16,714,000 |
| Income tax | 652,000 | 1,110,000 | 1,775,000 | 3,134,000 |
| Net income | 3,367,000 | 6,419,000 | 10,067,000 | 13,580,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 473,400,000 | 474,103,000 | 466,783,000 | 456,285,000 |
| Total capital | 502,814,000 | 503,305,000 | 495,049,000 | 484,370,000 |
| Risk-weighted assets | 2,323,157,000 | 2,305,921,000 | 2,231,798,000 | 2,218,489,000 |