Call reports 2018
BENEFICIAL STATE BANK — 2018
What BENEFICIAL STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 957,668,000 | 1,034,099,000 | 1,003,509,000 | 1,010,603,000 |
| Total loans | 718,159,000 | 787,069,000 | 774,921,000 | 755,056,000 |
| Allowance for loan losses | 16,400,000 | 16,817,000 | 17,187,000 | 16,823,000 |
| Securities available for sale | 57,896,000 | 54,722,000 | 51,268,000 | 50,254,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 788,986,000 | 814,774,000 | 800,370,000 | 805,583,000 |
| Interest-bearing deposits | 608,816,000 | 629,570,000 | 617,052,000 | 626,785,000 |
| Noninterest-bearing deposits | 180,170,000 | 185,204,000 | 183,318,000 | 178,798,000 |
| Equity capital | 106,787,000 | 107,212,000 | 113,212,000 | 115,176,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 10,928,000 | 23,675,000 | 36,254,000 | 48,933,000 |
| Interest expense | 1,027,000 | 2,150,000 | 3,830,000 | 5,669,000 |
| Net interest income | 9,901,000 | 21,525,000 | 32,424,000 | 43,264,000 |
| Noninterest income | 704,000 | 1,426,000 | 3,288,000 | 4,895,000 |
| Noninterest expense | 9,339,000 | 19,326,000 | 29,701,000 | 40,711,000 |
| Provision for loan losses | 1,807,000 | 3,465,000 | 5,210,000 | 5,450,000 |
| Pretax income | -541,000 | 160,000 | 801,000 | 1,998,000 |
| Income tax | -152,000 | 45,000 | 225,000 | 560,000 |
| Net income | -389,000 | 115,000 | 576,000 | 1,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,330,000 | 97,887,000 | 104,082,000 | 105,617,000 |
| Total capital | 106,506,000 | 108,065,000 | 114,031,000 | 115,248,000 |
| Risk-weighted assets | 725,714,000 | 806,669,000 | 787,730,000 | 762,288,000 |