Call reports 2005
FRANKLIN STATE BANK — 2005
What FRANKLIN STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 37,925,000 | 37,849,000 | 40,053,000 | 38,084,000 |
| Total loans | 14,084,000 | 15,657,000 | 16,920,000 | 16,191,000 |
| Allowance for loan losses | 351,000 | 351,000 | 351,000 | 350,000 |
| Securities available for sale | 20,722,000 | 20,160,000 | 20,007,000 | 20,239,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,599,000 | 29,919,000 | 29,596,000 | 29,317,000 |
| Interest-bearing deposits | 27,408,000 | 27,088,000 | 25,520,000 | 25,082,000 |
| Noninterest-bearing deposits | 3,191,000 | 2,831,000 | 4,076,000 | 4,235,000 |
| Equity capital | 7,184,000 | 7,534,000 | 7,527,000 | 7,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 492,000 | 995,000 | 1,528,000 | 2,051,000 |
| Interest expense | 129,000 | 264,000 | 417,000 | 562,000 |
| Net interest income | 363,000 | 731,000 | 1,111,000 | 1,489,000 |
| Noninterest income | 19,000 | 43,000 | 70,000 | 93,000 |
| Noninterest expense | 180,000 | 344,000 | 538,000 | 1,001,000 |
| Provision for loan losses | 0 | 0 | 0 | 88,000 |
| Pretax income | 202,000 | 430,000 | 643,000 | 493,000 |
| Income tax | 16,000 | 54,000 | 149,000 | 71,000 |
| Net income | 186,000 | 376,000 | 494,000 | 422,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,336,000 | 7,526,000 | 7,594,000 | 7,522,000 |
| Total capital | 7,578,000 | 7,783,000 | 7,871,000 | 7,786,000 |
| Risk-weighted assets | 19,228,000 | 20,472,000 | 22,055,000 | 21,055,000 |