Call reports 2015
FRANKLIN STATE BANK — 2015
What FRANKLIN STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 28,055,000 | 27,764,000 | 28,950,000 | 29,478,000 |
| Total loans | 16,771,000 | 17,464,000 | 17,742,000 | 17,344,000 |
| Allowance for loan losses | 168,000 | 168,000 | 168,000 | 168,000 |
| Securities available for sale | 4,461,000 | 4,662,000 | 4,420,000 | 4,404,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,127,000 | 23,781,000 | 24,885,000 | 25,364,000 |
| Interest-bearing deposits | 18,434,000 | 18,533,000 | 19,344,000 | 19,516,000 |
| Noninterest-bearing deposits | 5,693,000 | 5,248,000 | 5,541,000 | 5,848,000 |
| Equity capital | 3,849,000 | 3,897,000 | 3,966,000 | 4,017,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 234,000 | 473,000 | 719,000 | 967,000 |
| Interest expense | 23,000 | 47,000 | 74,000 | 101,000 |
| Net interest income | 211,000 | 426,000 | 645,000 | 866,000 |
| Noninterest income | 22,000 | 35,000 | 47,000 | 60,000 |
| Noninterest expense | 148,000 | 293,000 | 439,000 | 588,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 85,000 | 168,000 | 253,000 | 338,000 |
| Income tax | -9,000 | 14,000 | 38,000 | 62,000 |
| Net income | 94,000 | 154,000 | 215,000 | 276,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,835,000 | 3,895,000 | 3,956,000 | 4,016,000 |
| Total capital | 4,003,000 | 4,063,000 | 4,124,000 | 4,184,000 |
| Risk-weighted assets | 16,982,000 | 17,633,000 | 17,831,000 | 17,361,000 |