Call reports 2001
BENEFICIAL NATIONAL BANK USA — 2001
What BENEFICIAL NATIONAL BANK USA reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 82,629,000 | 72,873,000 | 92,126,000 | 83,263,000 |
| Total loans | 37,616,000 | 28,615,000 | 22,891,000 | 18,957,000 |
| Allowance for loan losses | 192,000 | 161,000 | 133,000 | 2,294,000 |
| Securities available for sale | 2,022,000 | 1,941,000 | 1,657,000 | 1,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,000 | 21,000 | 13,000 | 17,000 |
| Interest-bearing deposits | 0 | 0 | 0 | 0 |
| Noninterest-bearing deposits | 31,000 | 21,000 | 13,000 | 17,000 |
| Equity capital | 60,020,000 | 60,605,000 | 61,246,000 | 60,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 2,533,000 | 4,574,000 | 6,269,000 | 7,637,000 |
| Interest expense | 36,000 | 128,000 | 224,000 | 355,000 |
| Net interest income | 2,497,000 | 4,446,000 | 6,045,000 | 7,282,000 |
| Noninterest income | -966,000 | 69,000 | 95,000 | 124,000 |
| Noninterest expense | 857,000 | 1,349,000 | 1,592,000 | 1,820,000 |
| Provision for loan losses | -2,255,000 | -714,000 | -412,000 | 2,017,000 |
| Pretax income | 2,929,000 | 3,880,000 | 4,960,000 | 3,569,000 |
| Income tax | 1,096,000 | 1,447,000 | 1,849,000 | 1,336,000 |
| Net income | 1,833,000 | 2,433,000 | 3,111,000 | 2,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 60,033,000 | 60,633,000 | 61,311,000 | 60,433,000 |
| Total capital | 60,225,000 | 60,794,000 | 61,444,000 | 60,867,000 |
| Risk-weighted assets | 47,761,000 | 38,043,000 | 37,550,000 | 32,888,000 |