Call reports 2001
BENJAMIN FRANKLIN BANK — 2001
What BENJAMIN FRANKLIN BANK 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 | 449,220,000 | 450,018,000 | 426,342,000 | 428,377,000 |
| Total loans | 279,657,000 | 274,686,000 | 269,849,000 | 258,742,000 |
| Allowance for loan losses | 1,074,000 | 1,115,000 | 1,163,000 | 1,176,000 |
| Securities available for sale | 48,045,000 | 44,195,000 | 53,683,000 | 77,777,000 |
| Securities held to maturity | 4,641,000 | 4,387,000 | 4,231,000 | 3,750,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 388,105,000 | 388,595,000 | 362,842,000 | 364,563,000 |
| Interest-bearing deposits | 352,357,000 | 350,165,000 | 324,641,000 | 324,556,000 |
| Noninterest-bearing deposits | 35,748,000 | 38,430,000 | 38,201,000 | 40,007,000 |
| Equity capital | 24,321,000 | 24,737,000 | 26,521,000 | 26,877,000 |
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 | 6,866,000 | 13,616,000 | 20,016,000 | 25,829,000 |
| Interest expense | 3,821,000 | 7,165,000 | 9,977,000 | 12,354,000 |
| Net interest income | 3,045,000 | 6,451,000 | 10,039,000 | 13,475,000 |
| Noninterest income | 723,000 | 1,213,000 | 1,687,000 | 2,320,000 |
| Noninterest expense | 2,890,000 | 5,937,000 | 8,651,000 | 11,566,000 |
| Provision for loan losses | 6,000 | 21,000 | 36,000 | 50,000 |
| Pretax income | -1,585,000 | -823,000 | 510,000 | 1,650,000 |
| Income tax | 320,000 | 654,000 | 1,166,000 | 1,610,000 |
| Net income | -1,905,000 | -1,477,000 | -656,000 | 40,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,114,000 | 19,737,000 | 20,700,000 | 21,536,000 |
| Total capital | 20,188,000 | 20,852,000 | 21,863,000 | 22,712,000 |
| Risk-weighted assets | 241,673,000 | 237,384,000 | 233,173,000 | 235,238,000 |
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