Call reports 2014
BENEFICIAL STATE BANK — 2014
What BENEFICIAL STATE 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 | 339,669,000 | 363,572,000 | 368,355,000 | 366,037,000 |
| Total loans | 231,508,000 | 233,741,000 | 250,827,000 | 271,302,000 |
| Allowance for loan losses | 3,919,000 | 4,244,000 | 4,588,000 | 4,504,000 |
| Securities available for sale | 30,883,000 | 44,003,000 | 46,087,000 | 53,423,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,985,000 | 293,627,000 | 296,186,000 | 293,775,000 |
| Interest-bearing deposits | 190,337,000 | 204,916,000 | 206,070,000 | 207,494,000 |
| Noninterest-bearing deposits | 82,648,000 | 88,711,000 | 90,116,000 | 86,281,000 |
| Equity capital | 36,313,000 | 38,939,000 | 41,413,000 | 41,566,000 |
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 | 3,169,000 | 6,736,000 | 10,117,000 | 13,697,000 |
| Interest expense | 337,000 | 657,000 | 979,000 | 1,290,000 |
| Net interest income | 2,832,000 | 6,079,000 | 9,138,000 | 12,407,000 |
| Noninterest income | 749,000 | 1,141,000 | 1,616,000 | 1,781,000 |
| Noninterest expense | 3,065,000 | 5,763,000 | 8,459,000 | 11,462,000 |
| Provision for loan losses | 10,000 | 252,000 | 482,000 | 830,000 |
| Pretax income | 506,000 | 1,205,000 | 1,813,000 | 1,896,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 506,000 | 1,205,000 | 1,813,000 | 1,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,715,000 | 36,248,000 | 38,891,000 | 39,005,000 |
| Total capital | 36,645,000 | 39,115,000 | 42,094,000 | 42,467,000 |
| Risk-weighted assets | 233,393,000 | 229,737,000 | 254,848,000 | 275,823,000 |