Call reports 2004
BENJAMIN FRANKLIN BANK — 2004
What BENJAMIN FRANKLIN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 470,556,000 | 501,784,000 | 517,091,000 | 516,460,000 |
| Total loans | 305,634,000 | 341,296,000 | 378,467,000 | 386,545,000 |
| Allowance for loan losses | 2,704,000 | 2,861,000 | 3,017,000 | 3,172,000 |
| Securities available for sale | 123,569,000 | 110,283,000 | 94,465,000 | 86,629,000 |
| Securities held to maturity | 353,000 | 292,000 | 266,000 | 217,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 393,440,000 | 412,715,000 | 402,049,000 | 399,085,000 |
| Interest-bearing deposits | 307,243,000 | 316,832,000 | 312,752,000 | 308,581,000 |
| Noninterest-bearing deposits | 86,197,000 | 95,883,000 | 89,297,000 | 90,504,000 |
| Equity capital | 39,042,000 | 36,897,000 | 38,785,000 | 39,474,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 4,905,000 | 9,860,000 | 15,301,000 | 20,920,000 |
| Interest expense | 1,444,000 | 2,925,000 | 4,519,000 | 6,366,000 |
| Net interest income | 3,461,000 | 6,935,000 | 10,782,000 | 14,554,000 |
| Noninterest income | 673,000 | 1,170,000 | 1,609,000 | 2,068,000 |
| Noninterest expense | 3,163,000 | 6,347,000 | 9,512,000 | 12,759,000 |
| Provision for loan losses | 170,000 | 320,000 | 470,000 | 620,000 |
| Pretax income | 810,000 | 1,446,000 | 2,417,000 | 3,219,000 |
| Income tax | 250,000 | 457,000 | 789,000 | 1,110,000 |
| Net income | 560,000 | 989,000 | 1,628,000 | 2,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,639,000 | 35,956,000 | 36,481,000 | 36,850,000 |
| Total capital | 38,343,000 | 38,817,000 | 39,498,000 | 40,022,000 |
| Risk-weighted assets | 294,480,000 | 311,447,000 | 317,135,000 | 326,562,000 |
Machine access — free, no API key
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