Call reports 2004
FRANKLIN SAVINGS BANK — 2004
What FRANKLIN SAVINGS 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 | 269,351,000 | 268,180,000 | 273,387,000 | 271,049,000 |
| Total loans | 154,218,000 | 159,015,000 | 164,306,000 | 165,912,000 |
| Allowance for loan losses | 938,000 | 943,000 | 876,000 | 888,000 |
| Securities available for sale | 89,764,000 | 82,896,000 | 82,825,000 | 80,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,180,000 | 186,339,000 | 191,852,000 | 190,075,000 |
| Interest-bearing deposits | 171,882,000 | 173,406,000 | 177,709,000 | 176,705,000 |
| Noninterest-bearing deposits | 12,298,000 | 12,933,000 | 14,143,000 | 13,370,000 |
| Equity capital | 29,642,000 | 28,831,000 | 30,009,000 | 30,154,000 |
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 | 3,145,000 | 6,199,000 | 9,335,000 | 12,522,000 |
| Interest expense | 968,000 | 1,883,000 | 2,836,000 | 3,829,000 |
| Net interest income | 2,177,000 | 4,316,000 | 6,499,000 | 8,693,000 |
| Noninterest income | 579,000 | 1,172,000 | 1,769,000 | 2,351,000 |
| Noninterest expense | 2,176,000 | 4,388,000 | 6,612,000 | 8,868,000 |
| Provision for loan losses | 15,000 | 30,000 | -25,000 | -18,000 |
| Pretax income | 696,000 | 1,234,000 | 1,845,000 | 2,358,000 |
| Income tax | 207,000 | 352,000 | 530,000 | 677,000 |
| Net income | 489,000 | 882,000 | 1,315,000 | 1,681,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,030,000 | 29,442,000 | 29,875,000 | 30,241,000 |
| Total capital | 29,968,000 | 30,385,000 | 30,751,000 | 31,129,000 |
| Risk-weighted assets | 149,255,000 | 151,923,000 | 155,406,000 | 156,176,000 |