Call reports 2004
FRANKLIN STATE BANK — 2004
What FRANKLIN STATE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 39,964,000 | 39,222,000 | 40,583,000 | 39,011,000 |
| Total loans | 13,599,000 | 15,074,000 | 15,860,000 | 15,388,000 |
| Allowance for loan losses | 350,000 | 356,000 | 355,000 | 350,000 |
| Securities available for sale | 22,439,000 | 21,710,000 | 22,457,000 | 20,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,247,000 | 31,849,000 | 30,236,000 | 31,528,000 |
| Interest-bearing deposits | 29,092,000 | 28,944,000 | 27,204,000 | 27,338,000 |
| Noninterest-bearing deposits | 3,155,000 | 2,905,000 | 3,032,000 | 4,190,000 |
| Equity capital | 7,320,000 | 6,944,000 | 7,331,000 | 7,238,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 547,000 | 1,072,000 | 1,611,000 | 2,136,000 |
| Interest expense | 131,000 | 260,000 | 391,000 | 528,000 |
| Net interest income | 416,000 | 812,000 | 1,220,000 | 1,608,000 |
| Noninterest income | 23,000 | 47,000 | 71,000 | 92,000 |
| Noninterest expense | 196,000 | 414,000 | 609,000 | 1,024,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 243,000 | 447,000 | 684,000 | 678,000 |
| Income tax | 18,000 | 64,000 | 132,000 | 142,000 |
| Net income | 225,000 | 383,000 | 552,000 | 536,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,943,000 | 7,100,000 | 7,219,000 | 7,203,000 |
| Total capital | 7,185,000 | 7,355,000 | 7,486,000 | 7,463,000 |
| Risk-weighted assets | 19,244,000 | 20,306,000 | 21,245,000 | 20,689,000 |