Call reports 2006
FRANKLIN STATE BANK — 2006
What FRANKLIN STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 88,874,000 | 92,755,000 | 90,370,000 | 93,008,000 |
| Total loans | 78,555,000 | 81,657,000 | 81,764,000 | 84,647,000 |
| Allowance for loan losses | 1,080,000 | 1,052,000 | 1,042,000 | 1,003,000 |
| Securities available for sale | 3,002,000 | 3,029,000 | 3,102,000 | 3,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,438,000 | 73,789,000 | 74,924,000 | 80,305,000 |
| Interest-bearing deposits | 60,058,000 | 60,441,000 | 64,802,000 | 68,203,000 |
| Noninterest-bearing deposits | 11,379,000 | 13,349,000 | 10,122,000 | 12,102,000 |
| Equity capital | 8,245,000 | 8,296,000 | 8,428,000 | 8,477,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,336,000 | 2,750,000 | 4,236,000 | 5,757,000 |
| Interest expense | 447,000 | 960,000 | 1,539,000 | 2,146,000 |
| Net interest income | 889,000 | 1,790,000 | 2,697,000 | 3,611,000 |
| Noninterest income | 124,000 | 259,000 | 416,000 | 569,000 |
| Noninterest expense | 750,000 | 1,460,000 | 2,165,000 | 2,864,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 263,000 | 589,000 | 951,000 | 1,316,000 |
| Income tax | 101,000 | 227,000 | 367,000 | 508,000 |
| Net income | 162,000 | 362,000 | 584,000 | 808,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,264,000 | 8,344,000 | 8,446,000 | 8,491,000 |
| Total capital | 9,260,000 | 9,393,000 | 9,465,000 | 9,494,000 |
| Risk-weighted assets | 79,588,000 | 83,907,000 | 81,522,000 | 83,835,000 |