Call reports 2009
FRANKLIN SAVINGS BANK — 2009
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 356,783,000 | 371,673,000 | 351,771,000 | 345,114,000 |
| Total loans | 267,408,000 | 252,839,000 | 248,114,000 | 242,112,000 |
| Allowance for loan losses | 2,290,000 | 2,209,000 | 2,139,000 | 1,966,000 |
| Securities available for sale | 47,051,000 | 59,796,000 | 72,720,000 | 65,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 272,638,000 | 280,340,000 | 271,981,000 | 260,123,000 |
| Interest-bearing deposits | 255,682,000 | 261,263,000 | 253,010,000 | 240,861,000 |
| Noninterest-bearing deposits | 16,956,000 | 19,077,000 | 18,971,000 | 19,262,000 |
| Equity capital | 33,457,000 | 35,413,000 | 37,004,000 | 37,309,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,660,000 | 9,233,000 | 13,733,000 | 18,135,000 |
| Interest expense | 1,727,000 | 3,402,000 | 4,958,000 | 6,303,000 |
| Net interest income | 2,933,000 | 5,831,000 | 8,775,000 | 11,832,000 |
| Noninterest income | 1,078,000 | 2,029,000 | 2,857,000 | 3,647,000 |
| Noninterest expense | 3,169,000 | 5,942,000 | 8,744,000 | 11,709,000 |
| Provision for loan losses | 1,770,000 | 2,237,000 | 2,437,000 | 2,677,000 |
| Pretax income | -928,000 | -618,000 | 102,000 | 797,000 |
| Income tax | -269,000 | -245,000 | -224,000 | -31,000 |
| Net income | -659,000 | -373,000 | 326,000 | 828,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,698,000 | 34,570,000 | 35,175,000 | 35,826,000 |
| Total capital | 35,988,000 | 36,779,000 | 37,314,000 | 37,792,000 |
| Risk-weighted assets | 232,772,000 | 227,253,000 | 223,578,000 | 216,949,000 |
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