Call reports 2013
BANK OF FRANKLIN — 2013
What BANK OF FRANKLIN reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 117,536,000 | 118,566,000 | 120,734,000 | 122,301,000 |
| Total loans | 65,941,000 | 67,085,000 | 68,956,000 | 72,348,000 |
| Allowance for loan losses | 723,000 | 757,000 | 1,266,000 | 1,171,000 |
| Securities available for sale | 25,249,000 | 26,085,000 | 30,550,000 | 32,422,000 |
| Securities held to maturity | 668,000 | 622,000 | 602,000 | 582,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,214,000 | 107,296,000 | 109,138,000 | 110,763,000 |
| Interest-bearing deposits | 82,871,000 | 83,462,000 | 85,818,000 | 87,432,000 |
| Noninterest-bearing deposits | 23,343,000 | 23,834,000 | 23,320,000 | 23,331,000 |
| Equity capital | 10,670,000 | 10,890,000 | 11,058,000 | 11,131,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,473,000 | 3,841,000 | 5,173,000 |
| Interest expense | 119,000 | 239,000 | 366,000 | 499,000 |
| Net interest income | 1,090,000 | 2,234,000 | 3,475,000 | 4,674,000 |
| Noninterest income | 239,000 | 502,000 | 777,000 | 1,088,000 |
| Noninterest expense | 970,000 | 1,955,000 | 2,973,000 | 4,088,000 |
| Provision for loan losses | 54,000 | 105,000 | 129,000 | 31,000 |
| Pretax income | 305,000 | 676,000 | 1,150,000 | 1,645,000 |
| Income tax | 92,000 | 211,000 | 365,000 | 527,000 |
| Net income | 213,000 | 465,000 | 785,000 | 1,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,128,000 | 11,380,000 | 11,700,000 | 11,683,000 |
| Total capital | 11,851,000 | 12,137,000 | 12,730,000 | 12,755,000 |
| Risk-weighted assets | 78,665,000 | 79,431,000 | 82,147,000 | 85,635,000 |
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