Call reports 2023
FRANKLIN SAVINGS BANK — 2023
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 600,233,000 | 608,950,000 | 636,045,000 | 659,684,000 |
| Total loans | 497,024,000 | 506,806,000 | 524,765,000 | 547,206,000 |
| Allowance for loan losses | 4,313,000 | 4,313,000 | 4,313,000 | 4,463,000 |
| Securities available for sale | 58,427,000 | 56,770,000 | 53,375,000 | 55,803,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 442,530,000 | 446,012,000 | 487,132,000 | 484,649,000 |
| Interest-bearing deposits | 266,256,000 | 282,682,000 | 311,950,000 | 352,026,000 |
| Noninterest-bearing deposits | 176,274,000 | 163,330,000 | 175,182,000 | 132,623,000 |
| Equity capital | 118,387,000 | 119,294,000 | 119,013,000 | 120,787,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 6,547,000 | 13,489,000 | 20,925,000 | 28,778,000 |
| Interest expense | 806,000 | 1,978,000 | 3,772,000 | 6,239,000 |
| Net interest income | 5,741,000 | 11,511,000 | 17,153,000 | 22,539,000 |
| Noninterest income | 505,000 | 1,020,000 | 1,588,000 | 2,723,000 |
| Noninterest expense | 4,976,000 | 9,251,000 | 13,425,000 | 18,762,000 |
| Provision for loan losses | 14,000 | 85,000 | 35,000 | 222,000 |
| Pretax income | 1,256,000 | 3,195,000 | 5,281,000 | 6,228,000 |
| Income tax | 281,000 | 704,000 | 1,160,000 | 1,370,000 |
| Net income | 975,000 | 2,491,000 | 4,121,000 | 4,858,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 126,234,000 | 127,750,000 | 129,380,000 | 130,118,000 |
| Total capital | 130,712,000 | 132,228,000 | 133,858,000 | 134,796,000 |
| Risk-weighted assets | 473,150,000 | 485,480,000 | 505,766,000 | 522,650,000 |