Call reports 2002
BENJAMIN FRANKLIN BANK — 2002
What BENJAMIN FRANKLIN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 425,967,000 | 444,754,000 | 451,375,000 | 452,964,000 |
| Total loans | 246,509,000 | 241,848,000 | 253,505,000 | 263,908,000 |
| Allowance for loan losses | 988,000 | 1,460,000 | 1,872,000 | 2,312,000 |
| Securities available for sale | 105,334,000 | 61,082,000 | 90,440,000 | 132,355,000 |
| Securities held to maturity | 3,391,000 | 3,074,000 | 1,173,000 | 986,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,741,000 | 376,954,000 | 382,609,000 | 375,211,000 |
| Interest-bearing deposits | 326,472,000 | 334,372,000 | 339,339,000 | 336,447,000 |
| Noninterest-bearing deposits | 36,270,000 | 42,582,000 | 43,270,000 | 38,764,000 |
| Equity capital | 26,639,000 | 28,355,000 | 29,222,000 | 38,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,455,000 | 11,240,000 | 16,125,000 | 21,414,000 |
| Interest expense | 2,010,000 | 3,944,000 | 5,806,000 | 7,469,000 |
| Net interest income | 3,445,000 | 7,296,000 | 10,319,000 | 13,945,000 |
| Noninterest income | 539,000 | 749,000 | 1,198,000 | 2,032,000 |
| Noninterest expense | 3,015,000 | 6,171,000 | 8,792,000 | 12,139,000 |
| Provision for loan losses | 30,000 | 516,000 | 901,000 | 1,412,000 |
| Pretax income | 912,000 | 1,857,000 | 3,345,000 | 3,995,000 |
| Income tax | 321,000 | 493,000 | 760,000 | 785,000 |
| Net income | 591,000 | 1,364,000 | 2,585,000 | 2,773,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,174,000 | 22,991,000 | 24,257,000 | 33,211,000 |
| Total capital | 23,162,000 | 24,457,000 | 26,129,000 | 35,523,000 |
| Risk-weighted assets | 228,165,000 | 213,300,000 | 224,990,000 | 262,346,000 |
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