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 | 22,196,000 | 20,550,000 | 20,661,000 | 22,275,000 |
| Total loans | 13,381,000 | 14,382,000 | 14,293,000 | 14,254,000 |
| Allowance for loan losses | 126,000 | 127,000 | 127,000 | 124,000 |
| Securities available for sale | 5,555,000 | 5,303,000 | 5,129,000 | 4,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,388,000 | 17,724,000 | 17,806,000 | 19,267,000 |
| Interest-bearing deposits | 16,390,000 | 15,310,000 | 15,566,000 | 16,347,000 |
| Noninterest-bearing deposits | 2,998,000 | 2,414,000 | 2,240,000 | 2,920,000 |
| Equity capital | 2,006,000 | 2,032,000 | 2,104,000 | 2,145,000 |
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 | 295,000 | 596,000 | 900,000 | 1,218,000 |
| Interest expense | 121,000 | 246,000 | 380,000 | 525,000 |
| Net interest income | 174,000 | 350,000 | 520,000 | 693,000 |
| Noninterest income | 16,000 | 31,000 | 50,000 | 66,000 |
| Noninterest expense | 118,000 | 240,000 | 364,000 | 491,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 72,000 | 141,000 | 206,000 | 268,000 |
| Income tax | 16,000 | 44,000 | 73,000 | 101,000 |
| Net income | 56,000 | 97,000 | 133,000 | 167,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,064,000 | 2,105,000 | 2,141,000 | 2,175,000 |
| Total capital | 2,190,000 | 2,232,000 | 2,268,000 | 2,299,000 |
| Risk-weighted assets | 14,023,000 | 14,533,000 | 14,524,000 | 14,926,000 |