Call reports 2009
FRANKLIN STATE BANK — 2009
What FRANKLIN STATE BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 23,956,000 | 22,980,000 | 23,377,000 | 24,570,000 |
| Total loans | 16,177,000 | 16,489,000 | 16,728,000 | 16,324,000 |
| Allowance for loan losses | 144,000 | 145,000 | 146,000 | 140,000 |
| Securities available for sale | 2,909,000 | 2,780,000 | 2,379,000 | 2,386,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,445,000 | 19,479,000 | 19,831,000 | 21,020,000 |
| Interest-bearing deposits | 17,502,000 | 16,858,000 | 17,149,000 | 17,333,000 |
| Noninterest-bearing deposits | 2,943,000 | 2,621,000 | 2,682,000 | 3,687,000 |
| Equity capital | 2,634,000 | 2,673,000 | 2,719,000 | 2,742,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 296,000 | 597,000 | 899,000 | 1,192,000 |
| Interest expense | 100,000 | 196,000 | 284,000 | 377,000 |
| Net interest income | 196,000 | 401,000 | 615,000 | 815,000 |
| Noninterest income | 14,000 | 35,000 | 52,000 | 70,000 |
| Noninterest expense | 135,000 | 281,000 | 431,000 | 581,000 |
| Provision for loan losses | 2,000 | 3,000 | 5,000 | 6,000 |
| Pretax income | 73,000 | 152,000 | 231,000 | 298,000 |
| Income tax | 45,000 | 80,000 | 115,000 | 151,000 |
| Net income | 28,000 | 72,000 | 116,000 | 147,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,592,000 | 2,636,000 | 2,680,000 | 2,711,000 |
| Total capital | 2,736,000 | 2,781,000 | 2,826,000 | 2,851,000 |
| Risk-weighted assets | 16,611,000 | 16,697,000 | 17,136,000 | 17,109,000 |