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 | 50,422,000 | 47,794,000 | 47,930,000 | 49,571,000 |
| Total loans | 21,062,000 | 20,141,000 | 20,652,000 | 23,510,000 |
| Allowance for loan losses | 372,000 | 372,000 | 136,000 | 127,000 |
| Securities available for sale | 22,372,000 | 21,898,000 | 21,885,000 | 20,487,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,835,000 | 39,558,000 | 39,597,000 | 40,868,000 |
| Interest-bearing deposits | 32,257,000 | 31,272,000 | 30,966,000 | 32,190,000 |
| Noninterest-bearing deposits | 9,578,000 | 8,286,000 | 8,631,000 | 8,678,000 |
| Equity capital | 8,353,000 | 8,184,000 | 8,197,000 | 8,132,000 |
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 | 438,000 | 855,000 | 1,276,000 | 1,717,000 |
| Interest expense | 29,000 | 58,000 | 86,000 | 114,000 |
| Net interest income | 409,000 | 797,000 | 1,190,000 | 1,603,000 |
| Noninterest income | 32,000 | 67,000 | 100,000 | 136,000 |
| Noninterest expense | 207,000 | 435,000 | 652,000 | 1,153,000 |
| Provision for loan losses | 0 | 0 | 300,000 | 315,000 |
| Pretax income | 234,000 | 429,000 | 338,000 | 271,000 |
| Income tax | 23,000 | 72,000 | 72,000 | 28,000 |
| Net income | 211,000 | 357,000 | 266,000 | 243,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,327,000 | 8,473,000 | 8,257,000 | 8,234,000 |
| Total capital | 8,679,000 | 8,816,000 | 8,393,000 | 8,361,000 |
| Risk-weighted assets | 28,152,000 | 27,439,000 | 27,711,000 | 30,130,000 |