Call reports 2020
FRANKLIN SAVINGS BANK — 2020
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 462,509,000 | 471,841,000 | 481,097,000 | 489,365,000 |
| Total loans | 414,157,000 | 428,947,000 | 430,650,000 | 422,205,000 |
| Allowance for loan losses | 3,525,000 | 3,675,000 | 3,775,000 | 3,900,000 |
| Securities available for sale | 11,390,000 | 12,349,000 | 10,596,000 | 8,316,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 326,292,000 | 358,671,000 | 362,578,000 | 373,352,000 |
| Interest-bearing deposits | 236,078,000 | 246,303,000 | 246,460,000 | 248,276,000 |
| Noninterest-bearing deposits | 90,214,000 | 112,368,000 | 116,118,000 | 125,076,000 |
| Equity capital | 105,909,000 | 106,996,000 | 107,879,000 | 108,841,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,414,000 | 10,794,000 | 16,209,000 | 21,923,000 |
| Interest expense | 643,000 | 1,105,000 | 1,539,000 | 1,921,000 |
| Net interest income | 4,771,000 | 9,689,000 | 14,670,000 | 20,002,000 |
| Noninterest income | 787,000 | 1,654,000 | 2,510,000 | 3,441,000 |
| Noninterest expense | 4,208,000 | 8,474,000 | 12,967,000 | 17,570,000 |
| Provision for loan losses | 164,000 | 308,000 | 418,000 | 800,000 |
| Pretax income | 1,196,000 | 2,571,000 | 3,805,000 | 5,083,000 |
| Income tax | 268,000 | 569,000 | 838,000 | 1,116,000 |
| Net income | 928,000 | 2,002,000 | 2,967,000 | 3,967,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 112,916,000 | 113,989,000 | 114,953,000 | 115,955,000 |
| Total capital | 116,606,000 | 117,829,000 | 118,893,000 | 120,020,000 |
| Risk-weighted assets | 370,932,000 | 376,060,000 | 390,806,000 | 374,253,000 |