Call reports 2012
FRANKLIN STATE BANK — 2012
What FRANKLIN STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 27,105,000 | 27,193,000 | 27,388,000 | 28,804,000 |
| Total loans | 16,285,000 | 16,955,000 | 16,901,000 | 16,109,000 |
| Allowance for loan losses | 154,000 | 157,000 | 157,000 | 161,000 |
| Securities available for sale | 3,050,000 | 3,199,000 | 3,242,000 | 3,436,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,583,000 | 23,586,000 | 23,745,000 | 25,123,000 |
| Interest-bearing deposits | 19,426,000 | 19,296,000 | 18,310,000 | 18,517,000 |
| Noninterest-bearing deposits | 4,157,000 | 4,290,000 | 5,435,000 | 6,606,000 |
| Equity capital | 3,227,000 | 3,296,000 | 3,359,000 | 3,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 259,000 | 527,000 | 791,000 | 1,050,000 |
| Interest expense | 48,000 | 91,000 | 131,000 | 171,000 |
| Net interest income | 211,000 | 436,000 | 660,000 | 879,000 |
| Noninterest income | 13,000 | 25,000 | 45,000 | 59,000 |
| Noninterest expense | 147,000 | 287,000 | 431,000 | 591,000 |
| Provision for loan losses | 3,000 | 6,000 | 14,000 | 17,000 |
| Pretax income | 74,000 | 168,000 | 260,000 | 330,000 |
| Income tax | 16,000 | 47,000 | 78,000 | 120,000 |
| Net income | 58,000 | 121,000 | 182,000 | 210,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,173,000 | 3,236,000 | 3,297,000 | 3,325,000 |
| Total capital | 3,327,000 | 3,393,000 | 3,454,000 | 3,486,000 |
| Risk-weighted assets | 16,327,000 | 17,411,000 | 17,414,000 | 16,726,000 |