Call reports 2012
BENEFICIAL STATE BANK — 2012
What BENEFICIAL STATE 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 | 286,954,000 | 296,426,000 | 291,208,000 | 282,069,000 |
| Total loans | 149,858,000 | 157,178,000 | 164,916,000 | 181,550,000 |
| Allowance for loan losses | 2,313,000 | 3,054,000 | 3,214,000 | 3,459,000 |
| Securities available for sale | 51,120,000 | 41,466,000 | 45,446,000 | 43,422,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,140,000 | 235,115,000 | 237,255,000 | 229,357,000 |
| Interest-bearing deposits | 172,448,000 | 169,118,000 | 173,997,000 | 159,344,000 |
| Noninterest-bearing deposits | 52,692,000 | 65,997,000 | 63,258,000 | 70,013,000 |
| Equity capital | 33,193,000 | 33,129,000 | 32,850,000 | 31,738,000 |
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 | 2,840,000 | 5,529,000 | 8,326,000 | 11,181,000 |
| Interest expense | 463,000 | 913,000 | 1,393,000 | 1,803,000 |
| Net interest income | 2,377,000 | 4,616,000 | 6,933,000 | 9,378,000 |
| Noninterest income | 349,000 | 1,516,000 | 1,912,000 | 2,113,000 |
| Noninterest expense | 2,831,000 | 5,794,000 | 8,656,000 | 11,997,000 |
| Provision for loan losses | 159,000 | 999,000 | 1,125,000 | 1,402,000 |
| Pretax income | -230,000 | -701,000 | -990,000 | -1,926,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -230,000 | -701,000 | -990,000 | -1,926,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,385,000 | 29,431,000 | 29,177,000 | 28,274,000 |
| Total capital | 32,016,000 | 32,076,000 | 31,797,000 | 30,477,000 |
| Risk-weighted assets | 158,156,000 | 164,488,000 | 161,720,000 | 175,003,000 |