Call reports 2003
BANK OF FRANKLIN — 2003
What BANK OF FRANKLIN reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 84,468,000 | 82,035,000 | 83,579,000 | 81,484,000 |
| Total loans | 37,495,000 | 37,637,000 | 38,424,000 | 37,430,000 |
| Allowance for loan losses | 869,000 | 1,293,000 | 1,096,000 | 1,804,000 |
| Securities available for sale | 9,727,000 | 9,519,000 | 10,174,000 | 9,903,000 |
| Securities held to maturity | 24,683,000 | 21,869,000 | 20,332,000 | 20,333,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,548,000 | 68,713,000 | 70,037,000 | 68,725,000 |
| Interest-bearing deposits | 60,732,000 | 59,708,000 | 60,948,000 | 58,686,000 |
| Noninterest-bearing deposits | 9,816,000 | 9,005,000 | 9,089,000 | 10,039,000 |
| Equity capital | 13,640,000 | 13,084,000 | 13,236,000 | 12,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,165,000 | 2,288,000 | 3,384,000 | 4,445,000 |
| Interest expense | 353,000 | 688,000 | 978,000 | 1,235,000 |
| Net interest income | 812,000 | 1,600,000 | 2,406,000 | 3,210,000 |
| Noninterest income | 167,000 | 361,000 | 547,000 | 706,000 |
| Noninterest expense | 631,000 | 1,291,000 | 1,977,000 | 2,724,000 |
| Provision for loan losses | 53,000 | 795,000 | 816,000 | 1,641,000 |
| Pretax income | 295,000 | -125,000 | 160,000 | -449,000 |
| Income tax | 100,000 | 5,000 | 49,000 | -183,000 |
| Net income | 195,000 | -130,000 | 111,000 | -266,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,384,000 | 12,819,000 | 13,060,000 | 12,443,000 |
| Total capital | 13,981,000 | 13,405,000 | 13,674,000 | 13,057,000 |
| Risk-weighted assets | 47,456,000 | 46,155,000 | 48,613,000 | 47,959,000 |
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