Call reports 2016
FRANKLIN SAVINGS BANK — 2016
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 352,710,000 | 357,508,000 | 360,655,000 | 365,311,000 |
| Total loans | 320,086,000 | 326,976,000 | 326,310,000 | 332,800,000 |
| Allowance for loan losses | 3,400,000 | 3,400,000 | 3,400,000 | 3,200,000 |
| Securities available for sale | 9,992,000 | 6,720,000 | 7,491,000 | 8,218,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 250,062,000 | 251,488,000 | 256,283,000 | 250,676,000 |
| Interest-bearing deposits | 189,712,000 | 188,962,000 | 191,641,000 | 188,181,000 |
| Noninterest-bearing deposits | 60,350,000 | 62,526,000 | 64,642,000 | 62,495,000 |
| Equity capital | 91,093,000 | 91,990,000 | 92,796,000 | 93,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,232,000 | 8,504,000 | 12,825,000 | 17,134,000 |
| Interest expense | 187,000 | 373,000 | 555,000 | 738,000 |
| Net interest income | 4,045,000 | 8,131,000 | 12,270,000 | 16,396,000 |
| Noninterest income | 618,000 | 1,266,000 | 1,932,000 | 2,653,000 |
| Noninterest expense | 3,140,000 | 6,377,000 | 9,768,000 | 13,644,000 |
| Provision for loan losses | 55,000 | 204,000 | 396,000 | 311,000 |
| Pretax income | 1,469,000 | 2,818,000 | 4,041,000 | 5,097,000 |
| Income tax | 504,000 | 959,000 | 1,371,000 | 1,727,000 |
| Net income | 965,000 | 1,859,000 | 2,670,000 | 3,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,025,000 | 97,919,000 | 98,731,000 | 99,430,000 |
| Total capital | 100,376,000 | 101,381,000 | 102,236,000 | 102,795,000 |
| Risk-weighted assets | 267,854,000 | 276,894,000 | 280,348,000 | 284,140,000 |