Call reports 2004
FRANKLIN STATE BANK — 2004
What FRANKLIN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 91,030,000 | 92,212,000 | 90,356,000 | 91,602,000 |
| Total loans | 81,139,000 | 83,190,000 | 80,578,000 | 81,617,000 |
| Allowance for loan losses | 912,000 | 935,000 | 999,000 | 1,045,000 |
| Securities available for sale | 2,766,000 | 2,817,000 | 2,851,000 | 2,901,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,638,000 | 78,148,000 | 76,784,000 | 75,751,000 |
| Interest-bearing deposits | 67,029,000 | 67,077,000 | 66,109,000 | 62,605,000 |
| Noninterest-bearing deposits | 10,609,000 | 11,071,000 | 10,675,000 | 13,146,000 |
| Equity capital | 8,341,000 | 8,362,000 | 8,441,000 | 8,478,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,214,000 | 2,405,000 | 3,622,000 | 4,831,000 |
| Interest expense | 239,000 | 468,000 | 695,000 | 928,000 |
| Net interest income | 975,000 | 1,937,000 | 2,927,000 | 3,903,000 |
| Noninterest income | 92,000 | 210,000 | 344,000 | 481,000 |
| Noninterest expense | 768,000 | 1,507,000 | 2,243,000 | 2,999,000 |
| Provision for loan losses | 66,000 | 132,000 | 198,000 | 264,000 |
| Pretax income | 233,000 | 508,000 | 830,000 | 1,121,000 |
| Income tax | 89,000 | 195,000 | 319,000 | 431,000 |
| Net income | 144,000 | 313,000 | 511,000 | 690,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,331,000 | 8,364,000 | 8,427,000 | 8,470,000 |
| Total capital | 9,243,000 | 9,299,000 | 9,426,000 | 9,511,000 |
| Risk-weighted assets | 83,053,000 | 85,323,000 | 82,187,000 | 83,277,000 |