Call reports 2012
BANK OF FRANKLIN — 2012
What BANK OF FRANKLIN reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 105,168,000 | 105,542,000 | 106,984,000 | 113,853,000 |
| Total loans | 60,610,000 | 62,284,000 | 63,451,000 | 64,696,000 |
| Allowance for loan losses | 1,445,000 | 1,069,000 | 689,000 | 675,000 |
| Securities available for sale | 24,432,000 | 25,626,000 | 27,465,000 | 27,066,000 |
| Securities held to maturity | 1,026,000 | 1,007,000 | 985,000 | 970,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 96,063,000 | 96,120,000 | 96,240,000 | 102,901,000 |
| Interest-bearing deposits | 78,663,000 | 77,274,000 | 77,667,000 | 77,968,000 |
| Noninterest-bearing deposits | 17,400,000 | 18,846,000 | 18,573,000 | 24,933,000 |
| Equity capital | 8,761,000 | 9,019,000 | 10,292,000 | 10,403,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,199,000 | 2,419,000 | 3,652,000 | 4,919,000 |
| Interest expense | 176,000 | 338,000 | 474,000 | 599,000 |
| Net interest income | 1,023,000 | 2,081,000 | 3,178,000 | 4,320,000 |
| Noninterest income | 202,000 | 479,000 | 737,000 | 1,030,000 |
| Noninterest expense | 964,000 | 1,920,000 | 2,892,000 | 3,912,000 |
| Provision for loan losses | 5,000 | 97,000 | 407,000 | 462,000 |
| Pretax income | 256,000 | 543,000 | 616,000 | 980,000 |
| Income tax | 75,000 | 163,000 | 181,000 | 296,000 |
| Net income | 181,000 | 380,000 | 435,000 | 684,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,246,000 | 9,541,000 | 10,561,000 | 10,863,000 |
| Total capital | 10,181,000 | 10,475,000 | 11,250,000 | 11,538,000 |
| Risk-weighted assets | 74,251,000 | 74,554,000 | 77,662,000 | 78,175,000 |
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