Call reports 2013
FRANKLIN SAVINGS BANK — 2013
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 365,124,000 | 370,268,000 | 367,264,000 | 364,739,000 |
| Total loans | 246,429,000 | 249,950,000 | 248,165,000 | 238,740,000 |
| Allowance for loan losses | 1,553,000 | 1,554,000 | 1,496,000 | 1,530,000 |
| Securities available for sale | 77,748,000 | 74,125,000 | 78,297,000 | 81,261,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,446,000 | 284,310,000 | 289,720,000 | 280,191,000 |
| Interest-bearing deposits | 254,781,000 | 251,297,000 | 256,145,000 | 249,585,000 |
| Noninterest-bearing deposits | 30,665,000 | 33,013,000 | 33,575,000 | 30,606,000 |
| Equity capital | 41,079,000 | 40,901,000 | 41,131,000 | 42,132,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 3,460,000 | 6,786,000 | 10,219,000 | 13,546,000 |
| Interest expense | 736,000 | 1,393,000 | 1,999,000 | 2,583,000 |
| Net interest income | 2,724,000 | 5,393,000 | 8,220,000 | 10,963,000 |
| Noninterest income | 823,000 | 1,770,000 | 2,701,000 | 3,535,000 |
| Noninterest expense | 2,753,000 | 5,705,000 | 8,712,000 | 11,670,000 |
| Provision for loan losses | 65,000 | 120,000 | 171,000 | 248,000 |
| Pretax income | 729,000 | 1,338,000 | 2,038,000 | 2,580,000 |
| Income tax | 197,000 | 341,000 | 512,000 | 603,000 |
| Net income | 532,000 | 997,000 | 1,526,000 | 1,977,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,738,000 | 40,115,000 | 40,502,000 | 41,148,000 |
| Total capital | 41,365,000 | 41,738,000 | 42,066,000 | 42,742,000 |
| Risk-weighted assets | 227,025,000 | 228,976,000 | 229,447,000 | 221,048,000 |
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