Call reports 2019
BENEFICIAL STATE BANK — 2019
What BENEFICIAL STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,015,116,000 | 1,051,599,000 | 1,056,166,000 | 1,036,536,000 |
| Total loans | 760,663,000 | 771,018,000 | 749,460,000 | 740,144,000 |
| Allowance for loan losses | 16,392,000 | 16,385,000 | 16,058,000 | 16,002,000 |
| Securities available for sale | 47,972,000 | 45,507,000 | 42,046,000 | 59,480,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 816,862,000 | 850,154,000 | 852,987,000 | 833,955,000 |
| Interest-bearing deposits | 642,214,000 | 664,322,000 | 647,213,000 | 606,156,000 |
| Noninterest-bearing deposits | 174,648,000 | 185,832,000 | 205,774,000 | 227,799,000 |
| Equity capital | 115,998,000 | 118,223,000 | 119,745,000 | 120,152,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 12,641,000 | 25,171,000 | 37,893,000 | 49,954,000 |
| Interest expense | 2,072,000 | 4,112,000 | 6,311,000 | 8,156,000 |
| Net interest income | 10,569,000 | 21,059,000 | 31,582,000 | 41,798,000 |
| Noninterest income | 836,000 | 2,266,000 | 3,368,000 | 5,360,000 |
| Noninterest expense | 10,374,000 | 21,061,000 | 31,390,000 | 42,871,000 |
| Provision for loan losses | 514,000 | 1,172,000 | 1,462,000 | 1,691,000 |
| Pretax income | 517,000 | 1,092,000 | 2,098,000 | 2,596,000 |
| Income tax | -80,000 | -30,000 | 18,000 | 103,000 |
| Net income | 597,000 | 1,122,000 | 2,080,000 | 2,493,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 106,333,000 | 108,126,000 | 110,108,000 | 110,422,000 |
| Total capital | 115,975,000 | 118,188,000 | 119,655,000 | 120,355,000 |
| Risk-weighted assets | 763,687,000 | 797,704,000 | 756,631,000 | 787,886,000 |