Call reports 2008
FRANKLIN SAVINGS BANK — 2008
What FRANKLIN SAVINGS 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 | 303,661,000 | 304,526,000 | 307,058,000 | 308,244,000 |
| Total loans | 257,013,000 | 258,727,000 | 265,454,000 | 267,902,000 |
| Allowance for loan losses | 2,715,000 | 2,715,000 | 2,715,000 | 3,000,000 |
| Securities available for sale | 10,126,000 | 12,019,000 | 8,005,000 | 10,355,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 221,995,000 | 222,304,000 | 223,801,000 | 225,473,000 |
| Interest-bearing deposits | 189,431,000 | 188,771,000 | 188,451,000 | 190,235,000 |
| Noninterest-bearing deposits | 32,564,000 | 33,533,000 | 35,350,000 | 35,238,000 |
| Equity capital | 70,667,000 | 71,291,000 | 72,002,000 | 73,107,000 |
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 | 5,186,000 | 10,098,000 | 14,987,000 | 19,803,000 |
| Interest expense | 1,400,000 | 2,695,000 | 3,887,000 | 4,998,000 |
| Net interest income | 3,786,000 | 7,403,000 | 11,100,000 | 14,805,000 |
| Noninterest income | 625,000 | 1,227,000 | 1,795,000 | 2,422,000 |
| Noninterest expense | 2,858,000 | 5,763,000 | 8,688,000 | 11,006,000 |
| Provision for loan losses | 190,000 | 470,000 | 713,000 | 1,381,000 |
| Pretax income | 1,363,000 | 2,397,000 | 3,494,000 | 4,840,000 |
| Income tax | 483,000 | 840,000 | 1,218,000 | 1,683,000 |
| Net income | 880,000 | 1,557,000 | 2,276,000 | 3,157,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 72,868,000 | 73,545,000 | 74,264,000 | 75,145,000 |
| Total capital | 75,543,000 | 76,258,000 | 77,034,000 | 77,954,000 |
| Risk-weighted assets | 213,815,000 | 216,869,000 | 221,565,000 | 224,405,000 |
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