Call reports 2017
BENEFICIAL STATE BANK — 2017
What BENEFICIAL STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 680,730,000 | 736,529,000 | 745,176,000 | 758,566,000 |
| Total loans | 469,620,000 | 533,917,000 | 532,974,000 | 554,479,000 |
| Allowance for loan losses | 8,952,000 | 10,404,000 | 11,376,000 | 12,573,000 |
| Securities available for sale | 24,217,000 | 32,535,000 | 30,585,000 | 26,048,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 552,802,000 | 607,451,000 | 615,124,000 | 627,243,000 |
| Interest-bearing deposits | 452,018,000 | 489,770,000 | 508,779,000 | 510,884,000 |
| Noninterest-bearing deposits | 100,784,000 | 117,681,000 | 106,345,000 | 116,359,000 |
| Equity capital | 76,779,000 | 77,812,000 | 78,995,000 | 80,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 8,966,000 | 18,590,000 | 29,080,000 | 38,769,000 |
| Interest expense | 780,000 | 1,610,000 | 2,524,000 | 3,422,000 |
| Net interest income | 8,186,000 | 16,980,000 | 26,556,000 | 35,347,000 |
| Noninterest income | 791,000 | 1,770,000 | 3,709,000 | 4,006,000 |
| Noninterest expense | 8,515,000 | 16,081,000 | 23,573,000 | 31,903,000 |
| Provision for loan losses | 1,466,000 | 3,648,000 | 6,985,000 | 9,662,000 |
| Pretax income | -1,004,000 | -979,000 | -293,000 | -2,212,000 |
| Income tax | -402,000 | -392,000 | -118,000 | 2,140,000 |
| Net income | -602,000 | -587,000 | -175,000 | -4,352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,231,000 | 65,792,000 | 68,071,000 | 70,648,000 |
| Total capital | 73,356,000 | 72,541,000 | 74,733,000 | 77,584,000 |
| Risk-weighted assets | 485,359,000 | 534,302,000 | 526,895,000 | 548,243,000 |