Call reports 2015
BENEFICIAL STATE BANK — 2015
What BENEFICIAL STATE 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 | 384,097,000 | 403,980,000 | 419,951,000 | 463,932,000 |
| Total loans | 291,829,000 | 305,907,000 | 321,687,000 | 332,143,000 |
| Allowance for loan losses | 4,639,000 | 4,899,000 | 5,266,000 | 5,566,000 |
| Securities available for sale | 48,945,000 | 41,621,000 | 39,585,000 | 32,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,542,000 | 320,967,000 | 338,481,000 | 365,239,000 |
| Interest-bearing deposits | 215,019,000 | 235,169,000 | 256,930,000 | 263,399,000 |
| Noninterest-bearing deposits | 82,523,000 | 85,798,000 | 81,551,000 | 101,840,000 |
| Equity capital | 42,259,000 | 42,804,000 | 45,359,000 | 52,293,000 |
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 | 3,727,000 | 7,694,000 | 12,061,000 | 15,487,000 |
| Interest expense | 297,000 | 612,000 | 975,000 | 1,372,000 |
| Net interest income | 3,430,000 | 7,082,000 | 11,086,000 | 14,115,000 |
| Noninterest income | 160,000 | 330,000 | 774,000 | 2,046,000 |
| Noninterest expense | 3,015,000 | 5,837,000 | 8,960,000 | 12,568,000 |
| Provision for loan losses | 159,000 | 467,000 | 816,000 | 1,050,000 |
| Pretax income | 426,000 | 1,119,000 | 2,095,000 | 2,554,000 |
| Income tax | 0 | 0 | 0 | -6,776,000 |
| Net income | 426,000 | 1,119,000 | 2,095,000 | 9,330,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,732,000 | 40,482,000 | 42,971,000 | 47,920,000 |
| Total capital | 43,494,000 | 44,217,000 | 47,101,000 | 52,239,000 |
| Risk-weighted assets | 300,029,000 | 297,556,000 | 329,206,000 | 342,769,000 |
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