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 | 21,033,000 | 20,912,000 | 21,374,000 | 21,471,000 |
| Total loans | 12,863,000 | 13,082,000 | 13,591,000 | 13,344,000 |
| Allowance for loan losses | 129,000 | 131,000 | 133,000 | 137,000 |
| Securities available for sale | 5,826,000 | 5,906,000 | 6,152,000 | 5,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,539,000 | 17,226,000 | 17,678,000 | 18,008,000 |
| Interest-bearing deposits | 14,695,000 | 14,729,000 | 15,050,000 | 14,953,000 |
| Noninterest-bearing deposits | 2,844,000 | 2,497,000 | 2,628,000 | 3,055,000 |
| Equity capital | 1,773,000 | 1,723,000 | 1,823,000 | 1,847,000 |
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 | 254,000 | 509,000 | 780,000 | 1,045,000 |
| Interest expense | 86,000 | 172,000 | 266,000 | 364,000 |
| Net interest income | 168,000 | 337,000 | 514,000 | 681,000 |
| Noninterest income | 17,000 | 41,000 | 61,000 | 77,000 |
| Noninterest expense | 116,000 | 231,000 | 349,000 | 457,000 |
| Provision for loan losses | 1,000 | 3,000 | 6,000 | 14,000 |
| Pretax income | 68,000 | 144,000 | 220,000 | 287,000 |
| Income tax | 23,000 | 55,000 | 88,000 | 104,000 |
| Net income | 45,000 | 89,000 | 132,000 | 183,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,711,000 | 1,755,000 | 1,798,000 | 1,848,000 |
| Total capital | 1,840,000 | 1,886,000 | 1,931,000 | 1,985,000 |
| Risk-weighted assets | 13,703,000 | 13,927,000 | 14,450,000 | 14,237,000 |