Call reports 2015
BANK OF FRANKLIN — 2015
What BANK OF FRANKLIN reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 132,121,000 | 134,900,000 | 131,324,000 | 130,937,000 |
| Total loans | 79,150,000 | 79,847,000 | 81,067,000 | 80,842,000 |
| Allowance for loan losses | 1,119,000 | 1,098,000 | 1,376,000 | 1,049,000 |
| Securities available for sale | 32,800,000 | 30,805,000 | 31,083,000 | 30,362,000 |
| Securities held to maturity | 388,000 | 378,000 | 360,000 | 337,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,140,000 | 121,762,000 | 117,819,000 | 117,218,000 |
| Interest-bearing deposits | 94,975,000 | 96,684,000 | 93,915,000 | 91,595,000 |
| Noninterest-bearing deposits | 24,165,000 | 25,078,000 | 23,904,000 | 25,623,000 |
| Equity capital | 12,489,000 | 12,562,000 | 12,850,000 | 13,087,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,423,000 | 2,855,000 | 4,298,000 | 5,735,000 |
| Interest expense | 130,000 | 262,000 | 390,000 | 515,000 |
| Net interest income | 1,293,000 | 2,593,000 | 3,908,000 | 5,220,000 |
| Noninterest income | 286,000 | 629,000 | 957,000 | 1,284,000 |
| Noninterest expense | 1,201,000 | 2,423,000 | 3,657,000 | 4,952,000 |
| Provision for loan losses | 0 | 7,000 | 13,000 | 21,000 |
| Pretax income | 378,000 | 796,000 | 1,199,000 | 1,535,000 |
| Income tax | 118,000 | 249,000 | 372,000 | 473,000 |
| Net income | 260,000 | 547,000 | 827,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,802,000 | 11,954,000 | 12,244,000 | 12,490,000 |
| Total capital | 12,921,000 | 13,052,000 | 13,398,000 | 13,539,000 |
| Risk-weighted assets | 92,303,000 | 91,198,000 | 92,097,000 | 91,713,000 |