Call reports 2008
FRANKLIN SYNERGY BANK — 2008
What FRANKLIN SYNERGY 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 | 83,750,000 | 112,913,000 | 131,457,000 | 193,326,000 |
| Total loans | 23,378,000 | 44,643,000 | 60,959,000 | 90,770,000 |
| Allowance for loan losses | 293,000 | 556,000 | 760,000 | 1,136,000 |
| Securities available for sale | 52,509,000 | 60,763,000 | 60,440,000 | 87,934,000 |
| Securities held to maturity | 3,461,000 | 3,470,000 | 3,491,000 | 3,512,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,473,000 | 80,816,000 | 97,867,000 | 146,627,000 |
| Interest-bearing deposits | 44,191,000 | 74,255,000 | 90,870,000 | 137,811,000 |
| Noninterest-bearing deposits | 5,282,000 | 6,561,000 | 6,997,000 | 8,816,000 |
| Equity capital | 22,439,000 | 20,752,000 | 21,042,000 | 24,234,000 |
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 | 779,000 | 2,169,000 | 3,869,000 | 5,950,000 |
| Interest expense | 272,000 | 793,000 | 1,457,000 | 2,257,000 |
| Net interest income | 507,000 | 1,376,000 | 2,412,000 | 3,693,000 |
| Noninterest income | 22,000 | 59,000 | 70,000 | 173,000 |
| Noninterest expense | 885,000 | 1,852,000 | 2,947,000 | 4,555,000 |
| Provision for loan losses | 230,000 | 493,000 | 785,000 | 1,161,000 |
| Pretax income | -577,000 | -901,000 | -1,217,000 | -1,763,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -577,000 | -901,000 | -1,217,000 | -1,763,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,694,000 | 21,369,000 | 21,106,000 | 22,589,000 |
| Total capital | 21,987,000 | 21,925,000 | 21,866,000 | 23,725,000 |
| Risk-weighted assets | 37,566,000 | 58,622,000 | 73,560,000 | 94,948,000 |
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