Call reports 2020
BENEFICIAL STATE BANK — 2020
What BENEFICIAL STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 1,068,042,000 | 1,239,445,000 | 1,201,069,000 | 1,251,761,000 |
| Total loans | 763,473,000 | 946,291,000 | 964,865,000 | 989,516,000 |
| Allowance for loan losses | 17,587,000 | 18,156,000 | 17,845,000 | 17,711,000 |
| Securities available for sale | 106,876,000 | 158,586,000 | 123,848,000 | 185,621,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 871,938,000 | 1,032,946,000 | 1,032,091,000 | 1,116,782,000 |
| Interest-bearing deposits | 672,706,000 | 722,634,000 | 735,187,000 | 819,696,000 |
| Noninterest-bearing deposits | 199,232,000 | 310,312,000 | 296,904,000 | 297,086,000 |
| Equity capital | 121,033,000 | 124,091,000 | 115,413,000 | 118,998,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 11,484,000 | 23,952,000 | 36,670,000 | 49,405,000 |
| Interest expense | 1,573,000 | 2,829,000 | 3,806,000 | 4,599,000 |
| Net interest income | 9,911,000 | 21,123,000 | 32,864,000 | 44,806,000 |
| Noninterest income | 1,597,000 | 4,284,000 | 4,820,000 | 8,573,000 |
| Noninterest expense | 10,484,000 | 21,819,000 | 44,768,000 | 56,483,000 |
| Provision for loan losses | 2,196,000 | 3,549,000 | 3,035,000 | 3,396,000 |
| Pretax income | -1,172,000 | 60,000 | -7,846,000 | -4,230,000 |
| Income tax | -389,000 | -93,000 | -297,000 | 46,000 |
| Net income | -783,000 | 153,000 | -7,549,000 | -4,276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,911,000 | 112,161,000 | 113,619,000 | 117,176,000 |