Call reports 2019
BANK OF FRANKLIN — 2019
What BANK OF FRANKLIN reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 143,751,000 | 145,528,000 | 146,069,000 | 146,168,000 |
| Total loans | 91,176,000 | 94,005,000 | 97,413,000 | 99,549,000 |
| Allowance for loan losses | 1,058,000 | 1,066,000 | 1,145,000 | 1,228,000 |
| Securities available for sale | 32,365,000 | 33,994,000 | 35,732,000 | 34,195,000 |
| Securities held to maturity | 166,000 | 159,000 | 148,000 | 143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 127,347,000 | 128,209,000 | 128,278,000 | 128,373,000 |
| Interest-bearing deposits | 97,038,000 | 96,626,000 | 94,599,000 | 95,638,000 |
| Noninterest-bearing deposits | 30,309,000 | 31,583,000 | 33,679,000 | 32,735,000 |
| Equity capital | 15,896,000 | 16,767,000 | 17,188,000 | 17,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,668,000 | 3,426,000 | 5,230,000 | 7,028,000 |
| Interest expense | 204,000 | 431,000 | 669,000 | 915,000 |
| Net interest income | 1,464,000 | 2,995,000 | 4,561,000 | 6,113,000 |
| Noninterest income | 332,000 | 1,116,000 | 1,486,000 | 2,035,000 |
| Noninterest expense | 1,337,000 | 2,658,000 | 3,965,000 | 5,420,000 |
| Provision for loan losses | 33,000 | 72,000 | 165,000 | 330,000 |
| Pretax income | 442,000 | 1,397,000 | 1,933,000 | 2,411,000 |
| Income tax | 92,000 | 320,000 | 440,000 | 548,000 |
| Net income | 350,000 | 1,077,000 | 1,493,000 | 1,863,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,972,000 | 16,534,000 | 16,983,000 | 16,988,000 |
| Total capital | 17,030,000 | 17,600,000 | 18,128,000 | 18,216,000 |
| Risk-weighted assets | 98,619,000 | 101,266,000 | 100,065,000 | 104,871,000 |