Call reports 2016
BENEFICIAL STATE BANK — 2016
What BENEFICIAL STATE 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 | 487,411,000 | 644,767,000 | 641,077,000 | 653,423,000 |
| Total loans | 370,356,000 | 485,978,000 | 484,393,000 | 473,073,000 |
| Allowance for loan losses | 6,279,000 | 6,683,000 | 7,161,000 | 7,801,000 |
| Securities available for sale | 31,091,000 | 30,103,000 | 28,131,000 | 25,794,000 |
| Securities held to maturity | 0 | 40,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 368,788,000 | 502,859,000 | 508,884,000 | 524,512,000 |
| Interest-bearing deposits | 278,957,000 | 405,131,000 | 407,093,000 | 426,618,000 |
| Noninterest-bearing deposits | 89,831,000 | 97,728,000 | 101,791,000 | 97,894,000 |
| Equity capital | 52,912,000 | 74,005,000 | 74,512,000 | 77,382,000 |
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 | 4,405,000 | 9,870,000 | 19,337,000 | 28,060,000 |
| Interest expense | 461,000 | 1,048,000 | 1,847,000 | 2,628,000 |
| Net interest income | 3,944,000 | 8,822,000 | 17,490,000 | 25,432,000 |
| Noninterest income | 266,000 | 554,000 | 833,000 | 1,459,000 |
| Noninterest expense | 3,130,000 | 7,045,000 | 14,534,000 | 21,585,000 |
| Provision for loan losses | 709,000 | 1,119,000 | 1,599,000 | 2,547,000 |
| Pretax income | 371,000 | 1,212,000 | 2,190,000 | 2,759,000 |
| Income tax | 145,000 | 476,000 | 880,000 | 953,000 |
| Net income | 226,000 | 736,000 | 1,310,000 | 1,806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,230,000 | 64,332,000 | 65,274,000 | 68,174,000 |
| Total capital | 52,948,000 | 70,691,000 | 71,590,000 | 74,389,000 |
| Risk-weighted assets | 374,539,000 | 506,761,000 | 503,093,000 | 493,956,000 |