# BENEFICIAL BANK
PHILADELPHIA, PA · FDIC certificate 15697 · asset band $1-10B · latest filing 2018-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $5.81B | |
| Deposits | $4.32B | |
| Loans and leases | $3.89B | |
| Total equity | $912.2M | |
| Loans / deposits | 89.25% (p45 of band) | 90.82% |
| Liquid assets / assets | 26.91% (p74 of band) | |
| Uninsured deposits / deposits | 25.49% (p47 of band) | 26.64% |
| Brokered deposits | 3.62% | |
| Wholesale funding | 12.49% (p67 of band) | |
| FHLB advances / assets | 8.87% | |
| Tier 1 leverage | 13.61% (p90 of band) | 10.20% |
| Unrealized securities loss / equity | -7.49% (p6 of band) | -1.95% |
| AOCI / equity | 0.28% (p97 of band) | |
| ROA (annualized) | 0.83% (p18 of band) | 1.20% |
| Net interest margin | 3.36% (p30 of band) | 3.66% |
| Efficiency ratio | 67.18% (p69 of band) | |
| Noncurrent loans | 0.79% (p71 of band) | 0.47% |
| Net charge-offs (annualized) | 0.08% (p71 of band) | |
| Reserve coverage of noncurrent | 140.03% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 21.04% (p23 of band) | |
| Auto loans | $94.5M (2.43% of loans; DQ 2.91%, NCO 0.02%) | |
| Loans to nondepository financials | $7.5M (1% of equity) (p79 of band) | |
| Deposits YoY | 1.5% | |
| Employees | 755 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | losing money, reserve under noncurrent |  |
| 2011-06 | 1 |  | losing money |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2012-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 4 | capital falling, deposits shrinking, assets shrinking |  |
| 2014-03 | 2 | expense ratio p90 | capital falling, deposits shrinking, assets shrinking |
| 2014-06 | 2 | deposits shrinking, assets shrinking | reserve under noncurrent, expense ratio p90 |
| 2014-09 | 3 | uninsured deposits leaving |  |
| 2014-12 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2015-03 | 1 | expense ratio p90 |  |
| 2015-06 | 0 |  | expense ratio p90 |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 2 | capital falling, expense ratio p90 |  |
| 2016-09 | 1 |  | expense ratio p90 |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 0 |  | capital falling, reserve under noncurrent |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 1 | reserve under noncurrent |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | reserve under noncurrent |
| 2018-12 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2018-10-10 [I Love My Job: Beneficial Bank Exec Joanne Ryder - Philadelphia Magazine](https://news.google.com/rss/articles/CBMihwFBVV95cUxObWFyNWJyOHM3eVVXNlhpMjVwZGR2a1Q1MHRTSllaTGRTVXVjLXFmdWgwMnE3MlNicFl5bC12cUVnUlZLMm9iaEFKZWpDMTMxdndyRTBiQ0p3MDYtajhrM0VsakNxcE1vVWVCdzdVUG81Z3NaLU5FVkZndWlEWjFNQnFwLTZoVlE?oc=5) · Philadelphia Magazine
- 2017-06-07 [George W. Nise Obituary - Joseph A. Fluehr III Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTFA5NTNfdWVoYmVRT0wxZnQ1T2pza1BlWE1jakpWUjBaQUJYV1QyV2IwN2ZXWS1xQVdmcXR4bE81dm0wS3lOYWJBQjhoSklTbjlHclV2d0JHeENnRVNYZTBuY1RRazI2TWJOTWc?oc=5) · Joseph A. Fluehr III Funeral Home
- 2018-12-14 [WSFS Financial lists bank branches that will close in acquisition of Beneficial Bank - Inquirer.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOWEZ5Nk93TnNBb0J4am9Cd1lyZ1JST1RkZGtEUkN5bDVmMXJVTUxHaVh2U1ZuTVlLbGVQRHF1NjBDbTdUNXFtLW00MWRFM0VlWGdxdGJYVjl3YUtpdlNXM3hFVmNrWUEwem03TG5DSE9xVWVoMm9VSWlkUjFnT0s5LTk3RzE0aUlCVnFSYmdn?oc=5) · Inquirer.com
- 2019-08-26 [Philadelphia's oldest and biggest bank officially no more - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxOWnFEVnAzYTlwSkZDT09Wald6Rl85RHFnQXkxMnRXaUxXdXJJWnNfTlpqSHplNmI1YU8teDBZdzFzSHZmcUZrcVIweVYxUTU4SXEzQlpTZWtEN2pJR2xabzNneFRKWUJ5Y28yWjhOdGRuOFhnNEVmOG9uY050Y2FXcUFSTzQ0WnhoZWFtclQzcE92SU1PbFVrQ1M3QkpWckFGLUYzUUtkZmFNOU41Q0dZ?oc=5) · The Business Journals
- 2012-04-18 [Beneficial completes bank takeover - Burlington County Times](https://news.google.com/rss/articles/CBMisAFBVV95cUxNT0hBSGk1ZnU2b3VFUFJMTVRHU1J4akZ6bmtGcDNZaWRsNGlFQmFhd0lzY0tQTzhwV19HQWRwQ012c3JTRkFpUVBnbFl2ejRldjVEUGpBTWozZ0ZHUmhyQTdSWHI1cVRxa2daOVlBSm1ubWhIUjVYZ2RYQUV1TlRLMld1dGpqdzUzS2tMdG40WEhYeTc1ek9GdFFQbFZSbTBQVGxXT0xrR3NkY3ZkVzViZA?oc=5) · Burlington County Times
- 2011-05-19 [Beneficial exec resigns as bank faces financial woes - PhillyBurbs](https://news.google.com/rss/articles/CBMirwFBVV95cUxQVnNtOW8tNjFweEJxS0ZOV3lOYndkZUVJdVVBamMyYm5KejBabnBEQ1hnbUR0TlREa2twNmVqOFZTTUFUOFBkTWVBWG1Xal9BTXFudm00cTE4ekZZV1poNURmMnQ5b2RRLVVyeF9sQy14b3NDaHBGX09HN3FadVNxMF8tV0pUZFU4S1B5TmMwUUl2bF93R0JmNUFfNUFBS2t1RDVqTDl0T3Jyc05DOWt3?oc=5) · PhillyBurbs
- 2017-09-26 [14th Annual Pennsylvania Conference for Women - Beneficial VP Pam Cyr on taking risks at work - 6abc Philadelphia](https://news.google.com/rss/articles/CBMiowFBVV95cUxPVVgyVVowWUNmVzFnWFpqd19ZWnFBb2FHSkRfRGpXUmFhRFljVUQ2clY1amNDdmt1T0xKa0tha1BodmdNWWRlaW9wV0RVMnF0a0ZIUHhqLThJWlFsWERvQjVFVUtPQUM4YjFKOGlJaTFGbEtTcmtxakNORk0zbjNQQXV0VzBEWlBKVjB0Q1J5S2FSazFFVVN6ZGhkWF9jVFR3OEJJ0gGoAUFVX3lxTFBtRjFnRWI2bHF0YzY3V0l3aGF6U2NENHppczBaSkV5c25aMFNJd3VWa3VWcnhndmpTdHd3N2o1enZSRVozbEx4UG9qVHhiR2pUazFqbk80YXEzbGx5QjBPMFJLMGV2d2RSSHB6MWFXMWV2d1lQUl8wRE9UcVBYMnM1MWNpU1FrYVExSGVKYnNLNWlCWnl6eDhua2E5cV9ZY09ILWRLVzBfaQ?oc=5) · 6abc Philadelphia
- 2011-09-20 [Chestnut Filling - Hidden City Philadelphia](https://news.google.com/rss/articles/CBMia0FVX3lxTE55VUdXNHp3b2t6U09kOVNYODAzSkZCQkIwWE9qZkdfaTAtWGFZVHYxdDF3YnBCMFdXUHpSQlhfa3k0QVhjTFZhSDFsaWlRLW4xaVp6TFhoNzhFMXVKaGNBUVA5TVlWZ0RPRGM0?oc=5) · Hidden City Philadelphia

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=15697 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "15697", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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