Call reports 2015
BENEFICIAL BANK — 2015
What BENEFICIAL BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 4,769,995,000 | 4,738,000,000 | 4,732,520,000 | 4,825,700,000 |
| Total loans | 2,666,136,000 | 2,708,734,000 | 2,756,498,000 | 2,941,628,000 |
| Allowance for loan losses | 49,144,000 | 47,792,000 | 47,674,000 | 45,500,000 |
| Securities available for sale | 733,210,000 | 689,775,000 | 678,520,000 | 655,162,000 |
| Securities held to maturity | 757,730,000 | 745,730,000 | 720,999,000 | 696,310,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,665,746,000 | 3,632,279,000 | 3,609,161,000 | 3,712,363,000 |
| Interest-bearing deposits | 3,270,039,000 | 3,246,461,000 | 3,227,282,000 | 3,298,196,000 |
| Noninterest-bearing deposits | 395,707,000 | 385,818,000 | 381,879,000 | 414,167,000 |
| Equity capital | 870,872,000 | 875,254,000 | 883,484,000 | 884,814,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 34,943,000 | 70,906,000 | 106,856,000 | 143,339,000 |
| Interest expense | 4,893,000 | 9,809,000 | 14,781,000 | 19,732,000 |
| Net interest income | 30,050,000 | 61,097,000 | 92,075,000 | 123,607,000 |
| Noninterest income | 5,762,000 | 13,083,000 | 19,037,000 | 23,910,000 |
| Noninterest expense | 30,452,000 | 60,473,000 | 88,707,000 | 117,495,000 |
| Provision for loan losses | -2,000,000 | -3,600,000 | -3,600,000 | -3,600,000 |
| Pretax income | 7,355,000 | 17,298,000 | 25,991,000 | 33,603,000 |
| Income tax | 2,040,000 | 4,967,000 | 7,829,000 | 10,720,000 |
| Net income | 5,315,000 | 12,331,000 | 18,162,000 | 22,883,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 762,739,000 | 764,570,000 | 770,537,000 | 780,713,000 |
| Total capital | 795,073,000 | 798,602,000 | 806,179,000 | 818,758,000 |
| Risk-weighted assets | 2,569,748,000 | 2,703,220,000 | 2,833,733,000 | 3,033,640,000 |