Call reports 2014
BENEFICIAL BANK — 2014
What BENEFICIAL BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 4,532,852,000 | 4,424,388,000 | 4,353,732,000 | 4,744,679,000 |
| Total loans | 2,327,811,000 | 2,369,698,000 | 2,389,126,000 | 2,421,935,000 |
| Allowance for loan losses | 54,061,000 | 52,624,000 | 51,714,000 | 50,654,000 |
| Securities available for sale | 861,546,000 | 840,551,000 | 798,599,000 | 757,834,000 |
| Securities held to maturity | 663,370,000 | 644,061,000 | 623,139,000 | 727,755,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,652,274,000 | 3,536,580,000 | 3,462,080,000 | 3,899,996,000 |
| Interest-bearing deposits | 3,326,351,000 | 3,211,065,000 | 3,102,923,000 | 3,529,206,000 |
| Noninterest-bearing deposits | 325,923,000 | 325,515,000 | 359,157,000 | 370,790,000 |
| Equity capital | 604,797,000 | 613,970,000 | 617,404,000 | 615,449,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 35,105,000 | 69,890,000 | 104,857,000 | 139,306,000 |
| Interest expense | 5,490,000 | 10,963,000 | 16,391,000 | 21,483,000 |
| Net interest income | 29,615,000 | 58,927,000 | 88,466,000 | 117,823,000 |
| Noninterest income | 6,135,000 | 12,398,000 | 19,621,000 | 24,096,000 |
| Noninterest expense | 31,807,000 | 60,921,000 | 90,155,000 | 117,672,000 |
| Provision for loan losses | 1,500,000 | 1,750,000 | 200,000 | 200,000 |
| Pretax income | 2,647,000 | 8,951,000 | 18,357,000 | 24,668,000 |
| Income tax | 19,000 | 1,600,000 | 4,314,000 | 6,042,000 |
| Net income | 2,628,000 | 7,351,000 | 14,043,000 | 18,626,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 457,406,000 | 464,888,000 | 474,599,000 | 480,795,000 |
| Total capital | 485,303,000 | 492,909,000 | 502,624,000 | 509,460,000 |
| Risk-weighted assets | 2,205,061,000 | 2,216,580,000 | 2,217,816,000 | 2,271,038,000 |