Call reports 2015
FRANKLIN SAVINGS BANK — 2015
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 341,015,000 | 341,053,000 | 346,115,000 | 352,942,000 |
| Total loans | 297,780,000 | 305,328,000 | 310,340,000 | 317,643,000 |
| Allowance for loan losses | 3,400,000 | 3,400,000 | 3,400,000 | 3,400,000 |
| Securities available for sale | 14,919,000 | 12,801,000 | 12,939,000 | 11,831,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 246,579,000 | 241,397,000 | 245,891,000 | 246,997,000 |
| Interest-bearing deposits | 188,689,000 | 186,014,000 | 187,121,000 | 185,294,000 |
| Noninterest-bearing deposits | 57,890,000 | 55,383,000 | 58,770,000 | 61,703,000 |
| Equity capital | 87,496,000 | 88,176,000 | 89,052,000 | 89,752,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,054,000 | 8,114,000 | 12,222,000 | 16,409,000 |
| Interest expense | 193,000 | 378,000 | 561,000 | 743,000 |
| Net interest income | 3,861,000 | 7,736,000 | 11,661,000 | 15,666,000 |
| Noninterest income | 612,000 | 1,274,000 | 1,977,000 | 2,639,000 |
| Noninterest expense | 3,142,000 | 6,550,000 | 9,818,000 | 13,048,000 |
| Provision for loan losses | 96,000 | 68,000 | 225,000 | 475,000 |
| Pretax income | 1,235,000 | 2,392,000 | 3,595,000 | 4,782,000 |
| Income tax | 439,000 | 839,000 | 1,256,000 | 1,672,000 |
| Net income | 796,000 | 1,553,000 | 2,339,000 | 3,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 93,745,000 | 94,503,000 | 95,288,000 | 96,059,000 |
| Total capital | 96,881,000 | 97,616,000 | 98,504,000 | 99,378,000 |
| Risk-weighted assets | 250,524,000 | 248,598,000 | 256,955,000 | 265,310,000 |