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Beal Bank and Beal Bank USA are banks founded by Texas-based entrepreneur D. Andrew Andy Beal. Headquartered in Dallas, TX, Beal Bank was founded in 1988.〔(FDIC certificate information for Beal Bank, FDIC Certificate No. 32574 )〕 Headquartered in Las Vegas, NV, Beal Bank USA (formerly Beal Bank Nevada) was founded in 2004.〔(FDIC certification information for Beal Bank USA, FDIC Certificate No. 57833 )〕 As of September 2015, the banks had combined total assets of more than $7.2 billion and combined total capital of more than $2.9 billion.〔(Online searchable Uniform Banking Performance Reports from the FFIEC )〕 Both banks are members of and are insured by the Federal Deposit Insurance Corporation (FDIC). The banks offer deposit products to the public including CDs, money market accounts, statement savings accounts, and IRA CD accounts that are insured by the FDIC. The banks are considered wholesale banks because they do not offer consumer loans or checking accounts. Both banks purchase pools of non-agency residential first liens and commercial real estate-secured loans, and also fund commercial loans and participations in loans, through affiliates. ==About Beal Bank== With 16 retail branches and online banking, Beal Bank reports capital in excess of $1 billion and assets in excess of $1.9 billion as of September 2015.〔(Financial summary of Beal Bank on FDIC.gov )〕 This equals capital of more than 52.63% of assets; the FDIC standard is 5% for a well-capitalized bank.〔(FDIC Law, Regulations, Related Acts: § 325.103 Capital measures and capital category definitions, B.1 )〕 Based on the Uniform Bank Performance Report (UBPR) on Beal Bank, from the Federal Financial Institutions Examination Council,〔(Information about Uniform Bank Performance Reports on Federal Financial Institutions Examination Council site )〕 Beal Bank’s ROA is generally several times in excess of its peer group; insured savings banks with assets greater than $1 billion.〔(Online searchable Uniform Banking Performance Reports from the FFIEC )〕 From 2009-2012 Beal Bank generally exceeded its peer group.〔White, Martha C. "Five Banks That Don't Suck." Big Money. 10 04 2009: n. page. Web. 4 Sep. 2012.〕 In 2000, American Banker named Beal Bank the most profitable bank in the USA. At the time it had a five-year return on equity of 50 percent.〔(The Banker Who Said No, Bernard Condon, Nathan Vardi, Forbes.com, April 2009 )〕 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Beal Bank」の詳細全文を読む スポンサード リンク
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