Call reports 2008
FRANKLIN SAVINGS BANK — 2008
What FRANKLIN SAVINGS 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 | 325,834,000 | 336,978,000 | 338,712,000 | 355,338,000 |
| Total loans | 236,440,000 | 256,728,000 | 265,620,000 | 273,494,000 |
| Allowance for loan losses | 1,032,000 | 1,125,000 | 1,315,000 | 1,375,000 |
| Securities available for sale | 47,375,000 | 44,516,000 | 38,344,000 | 41,062,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 244,477,000 | 243,259,000 | 247,719,000 | 259,787,000 |
| Interest-bearing deposits | 228,289,000 | 222,703,000 | 228,844,000 | 242,755,000 |
| Noninterest-bearing deposits | 16,188,000 | 20,556,000 | 18,875,000 | 17,032,000 |
| Equity capital | 35,025,000 | 35,498,000 | 33,813,000 | 34,719,000 |
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 | 4,406,000 | 9,033,000 | 13,836,000 | 18,630,000 |
| Interest expense | 2,026,000 | 3,923,000 | 5,697,000 | 7,393,000 |
| Net interest income | 2,380,000 | 5,110,000 | 8,139,000 | 11,237,000 |
| Noninterest income | 778,000 | 1,523,000 | 2,237,000 | 2,934,000 |
| Noninterest expense | 2,473,000 | 4,976,000 | 9,155,000 | 11,792,000 |
| Provision for loan losses | 73,000 | 175,000 | 378,000 | 468,000 |
| Pretax income | 659,000 | 1,513,000 | 886,000 | 1,888,000 |
| Income tax | 174,000 | 260,000 | 300,000 | 610,000 |
| Net income | 485,000 | 1,253,000 | 586,000 | 1,278,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,028,000 | 35,796,000 | 34,561,000 | 34,737,000 |
| Total capital | 36,060,000 | 36,921,000 | 35,876,000 | 36,112,000 |
| Risk-weighted assets | 213,135,000 | 226,224,000 | 228,767,000 | 235,547,000 |
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