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 | 21,397,000 | 21,175,000 | 21,835,000 | 22,735,000 |
| Total loans | 13,101,000 | 13,604,000 | 14,068,000 | 13,278,000 |
| Allowance for loan losses | 140,000 | 149,000 | 124,000 | 126,000 |
| Securities available for sale | 6,048,000 | 6,255,000 | 6,016,000 | 5,748,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,338,000 | 16,977,000 | 17,979,000 | 19,331,000 |
| Interest-bearing deposits | 15,707,000 | 14,001,000 | 15,066,000 | 16,191,000 |
| Noninterest-bearing deposits | 2,631,000 | 2,976,000 | 2,913,000 | 3,140,000 |
| Equity capital | 1,846,000 | 1,920,000 | 1,926,000 | 1,953,000 |
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 | 266,000 | 536,000 | 816,000 | 1,111,000 |
| Interest expense | 99,000 | 202,000 | 315,000 | 440,000 |
| Net interest income | 167,000 | 334,000 | 501,000 | 671,000 |
| Noninterest income | 18,000 | 35,000 | 52,000 | 69,000 |
| Noninterest expense | 114,000 | 225,000 | 333,000 | 448,000 |
| Provision for loan losses | 3,000 | 14,000 | 32,000 | 35,000 |
| Pretax income | 68,000 | 130,000 | 188,000 | 257,000 |
| Income tax | 21,000 | 47,000 | 72,000 | 98,000 |
| Net income | 47,000 | 83,000 | 116,000 | 159,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,897,000 | 1,932,000 | 1,986,000 | 2,036,000 |
| Total capital | 2,037,000 | 2,081,000 | 2,110,000 | 2,162,000 |
| Risk-weighted assets | 13,826,000 | 14,106,000 | 14,559,000 | 13,583,000 |