Call reports 2025
BENEFICIAL STATE BANK — 2025
What BENEFICIAL STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,875,868,000 | 1,951,690,000 | 1,918,205,000 | 1,983,778,000 |
| Total loans | 1,277,082,000 | 1,335,282,000 | 1,368,828,000 | 1,476,342,000 |
| Allowance for loan losses | 22,829,000 | 23,467,000 | 23,972,000 | 25,322,000 |
| Securities available for sale | 367,699,000 | 363,268,000 | 362,330,000 | 320,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,633,038,000 | 1,683,817,000 | 1,640,424,000 | 1,667,750,000 |
| Interest-bearing deposits | 1,232,921,000 | 1,228,209,000 | 1,238,864,000 | 1,250,078,000 |
| Noninterest-bearing deposits | 400,117,000 | 455,608,000 | 401,560,000 | 417,672,000 |
| Equity capital | 176,664,000 | 178,824,000 | 185,546,000 | 186,815,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 23,992,000 | 49,432,000 | 74,957,000 | 100,925,000 |
| Interest expense | 7,083,000 | 13,959,000 | 21,146,000 | 28,490,000 |
| Net interest income | 16,909,000 | 35,473,000 | 53,811,000 | 72,435,000 |
| Noninterest income | 887,000 | 2,363,000 | 5,573,000 | 7,522,000 |
| Noninterest expense | 14,448,000 | 28,852,000 | 42,894,000 | 58,925,000 |
| Provision for loan losses | 3,880,000 | 6,668,000 | 9,745,000 | 14,060,000 |
| Pretax income | -1,002,000 | 2,032,000 | 6,552,000 | 3,964,000 |
| Income tax | -319,000 | 557,000 | 1,848,000 | 1,153,000 |
| Net income | -683,000 | 1,475,000 | 4,704,000 | 2,811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 231,755,000 | 233,635,000 | 236,390,000 | 233,089,000 |