Call reports 2003
FRANKLIN SAVINGS BANK — 2003
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 232,459,000 | 240,944,000 | 264,184,000 | 269,866,000 |
| Total loans | 145,760,000 | 145,152,000 | 145,603,000 | 150,640,000 |
| Allowance for loan losses | 944,000 | 947,000 | 948,000 | 925,000 |
| Securities available for sale | 62,247,000 | 71,800,000 | 92,170,000 | 97,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 178,325,000 | 181,455,000 | 184,086,000 | 181,000,000 |
| Interest-bearing deposits | 168,228,000 | 170,230,000 | 172,239,000 | 168,951,000 |
| Noninterest-bearing deposits | 10,097,000 | 11,225,000 | 11,847,000 | 12,049,000 |
| Equity capital | 28,325,000 | 28,971,000 | 28,827,000 | 29,231,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 3,118,000 | 6,111,000 | 9,034,000 | 12,197,000 |
| Interest expense | 1,066,000 | 2,076,000 | 3,046,000 | 4,037,000 |
| Net interest income | 2,052,000 | 4,035,000 | 5,988,000 | 8,160,000 |
| Noninterest income | 574,000 | 1,213,000 | 1,838,000 | 2,391,000 |
| Noninterest expense | 2,114,000 | 4,178,000 | 6,251,000 | 8,405,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 503,000 | 1,047,000 | 1,549,000 | 2,109,000 |
| Income tax | 155,000 | 323,000 | 488,000 | 637,000 |
| Net income | 348,000 | 724,000 | 1,061,000 | 1,472,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,681,000 | 28,171,000 | 28,523,000 | 29,030,000 |
| Total capital | 28,625,000 | 29,118,000 | 29,471,000 | 29,955,000 |
| Risk-weighted assets | 135,754,000 | 136,737,000 | 143,562,000 | 148,043,000 |