Call reports 2012
FRANKLIN SYNERGY BANK — 2012
What FRANKLIN SYNERGY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 508,681,000 | 529,425,000 | 516,077,000 | 577,577,000 |
| Total loans | 260,187,000 | 282,336,000 | 303,511,000 | 314,946,000 |
| Allowance for loan losses | 3,525,000 | 3,388,000 | 3,717,000 | 3,983,000 |
| Securities available for sale | 207,243,000 | 198,084,000 | 164,080,000 | 186,118,000 |
| Securities held to maturity | 9,369,000 | 11,761,000 | 22,886,000 | 33,815,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 451,846,000 | 468,028,000 | 442,852,000 | 515,459,000 |
| Interest-bearing deposits | 408,957,000 | 417,584,000 | 396,138,000 | 463,266,000 |
| Noninterest-bearing deposits | 42,889,000 | 50,444,000 | 46,714,000 | 52,193,000 |
| Equity capital | 46,952,000 | 47,039,000 | 48,739,000 | 50,320,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,806,000 | 9,735,000 | 14,717,000 | 20,004,000 |
| Interest expense | 1,007,000 | 2,032,000 | 3,046,000 | 4,048,000 |
| Net interest income | 3,799,000 | 7,703,000 | 11,671,000 | 15,956,000 |
| Noninterest income | 1,086,000 | 2,631,000 | 4,475,000 | 7,124,000 |
| Noninterest expense | 3,478,000 | 7,190,000 | 11,234,000 | 15,864,000 |
| Provision for loan losses | 410,000 | 1,009,000 | 1,316,000 | 1,548,000 |
| Pretax income | 1,178,000 | 2,596,000 | 4,394,000 | 6,659,000 |
| Income tax | 461,000 | 998,000 | 1,716,000 | 2,429,000 |
| Net income | 717,000 | 1,598,000 | 2,678,000 | 4,230,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,413,000 | 45,037,000 | 46,545,000 | 49,155,000 |
| Total capital | 47,938,000 | 48,425,000 | 50,262,000 | 53,138,000 |
| Risk-weighted assets | 296,412,000 | 312,980,000 | 328,847,000 | 343,919,000 |