Call reports 2008
FRANKLIN STATE BANK — 2008
What FRANKLIN STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 42,812,000 | 42,880,000 | 42,414,000 | 42,563,000 |
| Total loans | 15,928,000 | 17,174,000 | 18,373,000 | 17,426,000 |
| Allowance for loan losses | 356,000 | 357,000 | 358,000 | 350,000 |
| Securities available for sale | 20,641,000 | 20,922,000 | 21,055,000 | 20,257,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,387,000 | 34,680,000 | 32,301,000 | 34,327,000 |
| Interest-bearing deposits | 30,515,000 | 30,386,000 | 28,394,000 | 29,020,000 |
| Noninterest-bearing deposits | 3,872,000 | 4,294,000 | 3,907,000 | 5,307,000 |
| Equity capital | 8,143,000 | 8,099,000 | 8,193,000 | 8,038,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 563,000 | 1,130,000 | 1,723,000 | 2,295,000 |
| Interest expense | 218,000 | 426,000 | 612,000 | 784,000 |
| Net interest income | 345,000 | 704,000 | 1,111,000 | 1,511,000 |
| Noninterest income | 25,000 | 52,000 | 80,000 | 108,000 |
| Noninterest expense | 186,000 | 364,000 | 545,000 | 970,000 |
| Provision for loan losses | 0 | 0 | 0 | 184,000 |
| Pretax income | 184,000 | 392,000 | 646,000 | 465,000 |
| Income tax | -3,000 | 14,000 | 145,000 | 86,000 |
| Net income | 187,000 | 378,000 | 501,000 | 379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,037,000 | 8,228,000 | 8,276,000 | 8,004,000 |
| Total capital | 8,310,000 | 8,514,000 | 8,574,000 | 8,293,000 |
| Risk-weighted assets | 21,702,000 | 22,787,000 | 23,757,000 | 23,069,000 |
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