Call reports 2005
BENJAMIN FRANKLIN BANK — 2005
What BENJAMIN FRANKLIN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 581,985,000 | 861,751,000 | 855,213,000 | 866,446,000 |
| Total loans | 397,719,000 | 613,982,000 | 608,717,000 | 610,803,000 |
| Allowance for loan losses | 3,351,000 | 5,531,000 | 5,269,000 | 5,213,000 |
| Securities available for sale | 86,006,000 | 122,812,000 | 119,601,000 | 123,063,000 |
| Securities held to maturity | 187,000 | 161,000 | 133,000 | 109,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,110,000 | 653,957,000 | 625,666,000 | 633,084,000 |
| Interest-bearing deposits | 375,748,000 | 502,550,000 | 477,259,000 | 487,277,000 |
| Noninterest-bearing deposits | 93,362,000 | 151,407,000 | 148,407,000 | 145,807,000 |
| Equity capital | 38,890,000 | 92,170,000 | 90,879,000 | 91,293,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 5,749,000 | 15,012,000 | 25,110,000 | 35,379,000 |
| Interest expense | 1,919,000 | 5,012,000 | 8,589,000 | 12,864,000 |
| Net interest income | 3,830,000 | 10,000,000 | 16,521,000 | 22,515,000 |
| Noninterest income | 463,000 | 665,000 | 1,902,000 | 3,291,000 |
| Noninterest expense | 3,480,000 | 8,672,000 | 14,035,000 | 19,398,000 |
| Provision for loan losses | 168,000 | 496,000 | 648,000 | 686,000 |
| Pretax income | 645,000 | 1,497,000 | 3,740,000 | 5,722,000 |
| Income tax | 212,000 | 999,000 | 1,801,000 | 2,532,000 |
| Net income | 433,000 | 498,000 | 1,939,000 | 3,190,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,169,000 | 54,876,000 | 54,804,000 | 55,724,000 |
| Total capital | 40,520,000 | 60,407,000 | 60,073,000 | 60,937,000 |
| Risk-weighted assets | 352,110,000 | 561,306,000 | 556,018,000 | 568,756,000 |
Machine access — free, no API key
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