Call reports 2003
BENJAMIN FRANKLIN BANK — 2003
What BENJAMIN FRANKLIN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 460,420,000 | 478,599,000 | 469,842,000 | 458,323,000 |
| Total loans | 261,825,000 | 267,118,000 | 282,845,000 | 291,102,000 |
| Allowance for loan losses | 2,428,000 | 2,560,000 | 2,650,000 | 2,523,000 |
| Securities available for sale | 132,380,000 | 127,928,000 | 128,416,000 | 107,588,000 |
| Securities held to maturity | 792,000 | 687,000 | 613,000 | 386,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 383,656,000 | 401,439,000 | 394,446,000 | 383,102,000 |
| Interest-bearing deposits | 338,368,000 | 352,830,000 | 304,346,000 | 294,441,000 |
| Noninterest-bearing deposits | 45,288,000 | 48,609,000 | 90,099,000 | 88,661,000 |
| Equity capital | 38,560,000 | 38,989,000 | 37,660,000 | 37,661,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 4,949,000 | 9,736,000 | 14,533,000 | 19,554,000 |
| Interest expense | 1,560,000 | 3,115,000 | 4,643,000 | 6,095,000 |
| Net interest income | 3,389,000 | 6,621,000 | 9,890,000 | 13,459,000 |
| Noninterest income | 805,000 | 1,868,000 | 2,518,000 | 3,068,000 |
| Noninterest expense | 3,082,000 | 6,271,000 | 9,669,000 | 12,781,000 |
| Provision for loan losses | 91,000 | 205,000 | 300,000 | 625,000 |
| Pretax income | 1,021,000 | 2,163,000 | 2,552,000 | 3,207,000 |
| Income tax | 366,000 | 732,000 | 829,000 | 1,056,000 |
| Net income | 655,000 | 1,431,000 | 1,723,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,021,000 | 34,669,000 | 34,875,000 | 35,194,000 |
| Total capital | 36,449,000 | 37,229,000 | 37,525,000 | 37,717,000 |
| Risk-weighted assets | 259,585,000 | 277,142,000 | 267,935,000 | 270,582,000 |
Machine access — free, no API key
Every figure shown here about BENJAMIN FRANKLIN BANK — 2003 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.