Call reports 2007
BENJAMIN FRANKLIN BANK — 2007
What BENJAMIN FRANKLIN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 891,642,000 | 896,573,000 | 908,818,000 | 902,802,000 |
| Total loans | 598,067,000 | 602,815,000 | 597,890,000 | 612,735,000 |
| Allowance for loan losses | 5,498,000 | 5,710,000 | 5,613,000 | 5,789,000 |
| Securities available for sale | 163,168,000 | 158,650,000 | 161,766,000 | 161,072,000 |
| Securities held to maturity | 29,000 | 27,000 | 0 | 0 |
| Trading assets | 0 | 0 | 15,138,000 | 0 |
| Total deposits | 651,730,000 | 653,974,000 | 645,354,000 | 622,515,000 |
| Interest-bearing deposits | 528,786,000 | 527,917,000 | 525,050,000 | 506,127,000 |
| Noninterest-bearing deposits | 122,944,000 | 126,057,000 | 120,304,000 | 116,388,000 |
| Equity capital | 96,023,000 | 96,099,000 | 98,042,000 | 100,072,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 12,107,000 | 24,245,000 | 36,674,000 | 49,099,000 |
| Interest expense | 6,002,000 | 11,990,000 | 18,289,000 | 24,479,000 |
| Net interest income | 6,105,000 | 12,255,000 | 18,385,000 | 24,620,000 |
| Noninterest income | 1,719,000 | 3,439,000 | 5,195,000 | 6,922,000 |
| Noninterest expense | 6,643,000 | 13,083,000 | 19,358,000 | 25,620,000 |
| Provision for loan losses | 183,000 | 413,000 | 470,000 | 634,000 |
| Pretax income | 998,000 | 2,198,000 | 3,752,000 | 5,326,000 |
| Income tax | 295,000 | 660,000 | 1,132,000 | 1,583,000 |
| Net income | 703,000 | 1,538,000 | 2,620,000 | 3,743,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 61,673,000 | 62,539,000 | 63,683,000 | 65,182,000 |
| Total capital | 67,602,000 | 68,426,000 | 69,481,000 | 71,154,000 |
| Risk-weighted assets | 608,568,000 | 630,633,000 | 632,063,000 | 636,803,000 |
Machine access — free, no API key
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