Call reports 2025
BANK OF FRANKLIN — 2025
What BANK OF FRANKLIN reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 243,790,000 | 249,536,000 | 252,140,000 | 261,023,000 |
| Total loans | 170,758,000 | 178,743,000 | 184,189,000 | 191,066,000 |
| Allowance for loan losses | 2,633,000 | 2,439,000 | 2,454,000 | 2,574,000 |
| Securities available for sale | 52,087,000 | 50,075,000 | 49,090,000 | 47,646,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 214,339,000 | 219,201,000 | 211,139,000 | 212,700,000 |
| Interest-bearing deposits | 164,483,000 | 164,911,000 | 165,097,000 | 169,918,000 |
| Noninterest-bearing deposits | 49,856,000 | 54,290,000 | 46,042,000 | 42,782,000 |
| Equity capital | 28,144,000 | 28,894,000 | 30,525,000 | 31,342,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,772,000 | 7,615,000 | 11,693,000 | 15,646,000 |
| Interest expense | 1,115,000 | 2,267,000 | 3,491,000 | 4,738,000 |
| Net interest income | 2,657,000 | 5,348,000 | 8,202,000 | 10,908,000 |
| Noninterest income | 415,000 | 901,000 | 1,275,000 | 1,869,000 |
| Noninterest expense | 2,046,000 | 4,065,000 | 6,097,000 | 8,207,000 |
| Provision for loan losses | 91,000 | 52,000 | 96,000 | 252,000 |
| Pretax income | 935,000 | 2,114,000 | 3,257,000 | 4,262,000 |
| Income tax | 191,000 | 466,000 | 728,000 | 957,000 |
| Net income | 744,000 | 1,648,000 | 2,529,000 | 3,305,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,406,000 | 30,319,000 | 31,216,000 | 32,008,000 |