Call reports 2025
FRANKLIN SAVINGS BANK — 2025
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 733,639,000 | 755,186,000 | 770,356,000 | 775,801,000 |
| Total loans | 627,367,000 | 643,156,000 | 658,993,000 | 663,470,000 |
| Allowance for loan losses | 4,463,000 | 4,538,000 | 5,013,000 | 5,013,000 |
| Securities available for sale | 47,700,000 | 46,803,000 | 46,635,000 | 44,856,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 586,835,000 | 587,526,000 | 596,266,000 | 610,489,000 |
| Interest-bearing deposits | 455,562,000 | 458,626,000 | 462,004,000 | 475,647,000 |
| Noninterest-bearing deposits | 131,273,000 | 128,900,000 | 134,262,000 | 134,842,000 |
| Equity capital | 128,641,000 | 130,465,000 | 132,795,000 | 137,461,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,840,000 | 20,007,000 | 30,685,000 | 41,485,000 |
| Interest expense | 3,215,000 | 6,350,000 | 9,612,000 | 12,797,000 |
| Net interest income | 6,625,000 | 13,657,000 | 21,073,000 | 28,688,000 |
| Noninterest income | 508,000 | 1,063,000 | 1,785,000 | 2,329,000 |
| Noninterest expense | 5,324,000 | 10,638,000 | 16,166,000 | 22,830,000 |
| Provision for loan losses | 34,000 | 106,000 | 594,000 | 1,255,000 |
| Pretax income | 1,775,000 | 3,976,000 | 6,098,000 | 6,932,000 |
| Income tax | 395,000 | 877,000 | 1,341,000 | 1,527,000 |
| Net income | 1,380,000 | 3,099,000 | 4,757,000 | 5,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 135,909,000 | 137,628,000 | 139,285,000 | 139,933,000 |
| Total capital | 140,587,000 | 142,381,000 | 144,513,000 | 145,161,000 |
| Risk-weighted assets | 595,553,000 | 617,575,000 | 626,998,000 | 637,882,000 |