Call reports 2016
BENEFICIAL BANK — 2016
What BENEFICIAL BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 4,813,621,000 | 5,513,455,000 | 5,580,006,000 | 5,739,333,000 |
| Total loans | 3,152,147,000 | 3,798,837,000 | 3,888,276,000 | 4,010,846,000 |
| Allowance for loan losses | 45,234,000 | 44,519,000 | 44,466,000 | 43,261,000 |
| Securities available for sale | 582,402,000 | 576,374,000 | 502,534,000 | 451,544,000 |
| Securities held to maturity | 673,222,000 | 642,826,000 | 610,629,000 | 602,529,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 3,691,506,000 | 4,145,185,000 | 4,152,229,000 | 4,243,142,000 |
| Interest-bearing deposits | 3,256,206,000 | 3,635,783,000 | 3,635,143,000 | 3,706,848,000 |
| Noninterest-bearing deposits | 435,300,000 | 509,402,000 | 517,086,000 | 536,294,000 |
| Equity capital | 894,678,000 | 954,119,000 | 961,912,000 | 962,088,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 36,934,000 | 81,329,000 | 127,365,000 | 173,793,000 |
| Interest expense | 4,808,000 | 10,387,000 | 16,361,000 | 22,807,000 |
| Net interest income | 32,126,000 | 70,942,000 | 111,004,000 | 150,986,000 |
| Noninterest income | 5,395,000 | 11,494,000 | 17,997,000 | 25,756,000 |
| Noninterest expense | 30,222,000 | 70,189,000 | 103,344,000 | 138,264,000 |
| Provision for loan losses | 0 | 0 | 0 | 485,000 |
| Pretax income | 7,295,000 | 12,239,000 | 25,647,000 | 37,979,000 |
| Income tax | 2,243,000 | 4,307,000 | 8,669,000 | 13,247,000 |
| Net income | 5,052,000 | 7,932,000 | 16,978,000 | 24,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 785,182,000 | 794,787,000 | 804,146,000 | 814,038,000 |
| Total capital | 825,456,000 | 839,606,000 | 848,960,000 | 857,533,000 |
| Risk-weighted assets | 3,215,213,000 | 3,885,009,000 | 3,949,483,000 | 4,035,898,000 |