Call reports 2016
BANK OF FRANKLIN — 2016
What BANK OF FRANKLIN reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 134,479,000 | 136,364,000 | 135,333,000 | 134,762,000 |
| Total loans | 81,318,000 | 81,999,000 | 80,177,000 | 80,814,000 |
| Allowance for loan losses | 1,017,000 | 998,000 | 860,000 | 909,000 |
| Securities available for sale | 33,276,000 | 38,080,000 | 40,384,000 | 40,308,000 |
| Securities held to maturity | 324,000 | 310,000 | 289,000 | 277,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 120,407,000 | 122,099,000 | 121,048,000 | 121,181,000 |
| Interest-bearing deposits | 93,873,000 | 95,155,000 | 93,345,000 | 92,984,000 |
| Noninterest-bearing deposits | 26,534,000 | 26,944,000 | 27,703,000 | 28,197,000 |
| Equity capital | 13,407,000 | 13,730,000 | 13,763,000 | 13,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,462,000 | 2,962,000 | 4,438,000 | 5,947,000 |
| Interest expense | 121,000 | 242,000 | 364,000 | 484,000 |
| Net interest income | 1,341,000 | 2,720,000 | 4,074,000 | 5,463,000 |
| Noninterest income | 304,000 | 624,000 | 856,000 | 1,209,000 |
| Noninterest expense | 1,265,000 | 2,611,000 | 4,032,000 | 5,501,000 |
| Provision for loan losses | 14,000 | 14,000 | 40,000 | 116,000 |
| Pretax income | 366,000 | 719,000 | 858,000 | 1,055,000 |
| Income tax | 107,000 | 216,000 | 244,000 | 291,000 |
| Net income | 259,000 | 503,000 | 614,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,347,000 | 12,606,000 | 12,724,000 | 12,883,000 |
| Total capital | 13,364,000 | 13,604,000 | 13,584,000 | 13,792,000 |
| Risk-weighted assets | 91,902,000 | 93,275,000 | 92,068,000 | 92,699,000 |