Call reports 2005
FRANKLIN SAVINGS BANK — 2005
What FRANKLIN SAVINGS 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 | 292,543,000 | 292,110,000 | 294,293,000 | 292,933,000 |
| Total loans | 234,931,000 | 241,894,000 | 247,456,000 | 251,267,000 |
| Allowance for loan losses | 2,400,000 | 2,425,000 | 2,400,000 | 2,415,000 |
| Securities available for sale | 33,252,000 | 30,359,000 | 26,267,000 | 19,245,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,110,000 | 215,003,000 | 216,018,000 | 214,657,000 |
| Interest-bearing deposits | 183,301,000 | 183,666,000 | 182,029,000 | 183,583,000 |
| Noninterest-bearing deposits | 30,809,000 | 31,337,000 | 33,989,000 | 31,074,000 |
| Equity capital | 62,094,000 | 63,170,000 | 64,188,000 | 64,905,000 |
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 | 4,347,000 | 8,872,000 | 13,494,000 | 18,259,000 |
| Interest expense | 689,000 | 1,415,000 | 2,207,000 | 3,077,000 |
| Net interest income | 3,658,000 | 7,457,000 | 11,287,000 | 15,182,000 |
| Noninterest income | 452,000 | 962,000 | 1,498,000 | 2,034,000 |
| Noninterest expense | 2,539,000 | 5,208,000 | 7,944,000 | 11,199,000 |
| Provision for loan losses | 56,000 | 150,000 | 232,000 | 378,000 |
| Pretax income | 1,515,000 | 3,061,000 | 4,609,000 | 5,639,000 |
| Income tax | 521,000 | 1,054,000 | 1,587,000 | 1,944,000 |
| Net income | 994,000 | 2,007,000 | 3,022,000 | 3,695,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 62,316,000 | 63,331,000 | 64,348,000 | 65,021,000 |
| Total capital | 64,871,000 | 65,911,000 | 66,903,000 | 67,591,000 |
| Risk-weighted assets | 212,565,000 | 215,046,000 | 217,840,000 | 218,450,000 |
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