Call reports 2005
FRANKLIN STATE BANK — 2005
What FRANKLIN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 88,034,000 | 91,724,000 | 87,989,000 | 88,998,000 |
| Total loans | 78,537,000 | 81,645,000 | 77,766,000 | 77,608,000 |
| Allowance for loan losses | 1,037,000 | 1,050,000 | 1,065,000 | 1,080,000 |
| Securities available for sale | 2,882,000 | 2,958,000 | 2,958,000 | 2,999,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 73,717,000 | 77,433,000 | 73,787,000 | 75,543,000 |
| Interest-bearing deposits | 62,590,000 | 65,176,000 | 59,692,000 | 63,357,000 |
| Noninterest-bearing deposits | 11,127,000 | 12,256,000 | 14,095,000 | 12,187,000 |
| Equity capital | 8,437,000 | 8,428,000 | 8,406,000 | 8,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,244,000 | 2,537,000 | 3,859,000 | 5,201,000 |
| Interest expense | 274,000 | 566,000 | 890,000 | 1,265,000 |
| Net interest income | 970,000 | 1,971,000 | 2,969,000 | 3,936,000 |
| Noninterest income | 170,000 | 327,000 | 488,000 | 630,000 |
| Noninterest expense | 784,000 | 1,571,000 | 2,358,000 | 3,162,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 341,000 | 697,000 | 1,054,000 | 1,344,000 |
| Income tax | 130,000 | 268,000 | 406,000 | 518,000 |
| Net income | 211,000 | 429,000 | 648,000 | 826,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,445,000 | 8,427,000 | 8,410,000 | 8,352,000 |
| Total capital | 9,438,000 | 9,460,000 | 9,411,000 | 9,351,000 |
| Risk-weighted assets | 79,376,000 | 82,664,000 | 80,044,000 | 79,811,000 |