Call reports 2008
BENJAMIN FRANKLIN BANK — 2008
What BENJAMIN FRANKLIN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 960,500,000 | 966,405,000 | 980,769,000 | 997,806,000 |
| Total loans | 645,858,000 | 670,542,000 | 678,908,000 | 696,758,000 |
| Allowance for loan losses | 6,090,000 | 6,431,000 | 6,853,000 | 7,929,000 |
| Securities available for sale | 183,639,000 | 183,310,000 | 188,371,000 | 193,579,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 651,307,000 | 661,332,000 | 666,968,000 | 657,807,000 |
| Interest-bearing deposits | 533,020,000 | 538,429,000 | 550,790,000 | 545,394,000 |
| Noninterest-bearing deposits | 118,287,000 | 122,903,000 | 116,178,000 | 112,413,000 |
| Equity capital | 99,403,000 | 98,206,000 | 98,406,000 | 101,416,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 12,494,000 | 24,689,000 | 37,079,000 | 49,651,000 |
| Interest expense | 6,069,000 | 11,743,000 | 17,251,000 | 22,458,000 |
| Net interest income | 6,425,000 | 12,946,000 | 19,828,000 | 27,193,000 |
| Noninterest income | 1,261,000 | 2,647,000 | 3,887,000 | 5,082,000 |
| Noninterest expense | 5,774,000 | 11,677,000 | 17,671,000 | 24,681,000 |
| Provision for loan losses | 314,000 | 682,000 | 1,129,000 | 2,298,000 |
| Pretax income | 1,598,000 | 3,234,000 | 4,915,000 | 5,296,000 |
| Income tax | 540,000 | 1,056,000 | 1,564,000 | 1,829,000 |
| Net income | 1,058,000 | 2,178,000 | 3,351,000 | 3,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,465,000 | 64,120,000 | 64,878,000 | 64,651,000 |
| Total capital | 69,724,000 | 70,689,000 | 71,898,000 | 72,721,000 |
| Risk-weighted assets | 665,912,000 | 672,557,000 | 681,650,000 | 692,221,000 |
Machine access — free, no API key
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