Call reports 2014
FRANKLIN SAVINGS BANK — 2014
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 367,369,000 | 383,163,000 | 382,028,000 | 383,596,000 |
| Total loans | 244,017,000 | 244,253,000 | 244,855,000 | 247,452,000 |
| Allowance for loan losses | 1,531,000 | 1,505,000 | 1,729,000 | 1,587,000 |
| Securities available for sale | 83,856,000 | 84,697,000 | 91,373,000 | 92,336,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,588,000 | 295,237,000 | 302,047,000 | 297,364,000 |
| Interest-bearing deposits | 256,108,000 | 257,819,000 | 265,330,000 | 260,478,000 |
| Noninterest-bearing deposits | 34,480,000 | 37,418,000 | 36,717,000 | 36,886,000 |
| Equity capital | 42,761,000 | 43,365,000 | 43,824,000 | 43,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 3,279,000 | 6,595,000 | 9,861,000 | 13,195,000 |
| Interest expense | 568,000 | 1,149,000 | 1,745,000 | 2,334,000 |
| Net interest income | 2,711,000 | 5,446,000 | 8,116,000 | 10,861,000 |
| Noninterest income | 797,000 | 1,730,000 | 2,648,000 | 3,551,000 |
| Noninterest expense | 2,986,000 | 6,068,000 | 9,092,000 | 12,249,000 |
| Provision for loan losses | 55,000 | 104,000 | 90,000 | 78,000 |
| Pretax income | 471,000 | 1,020,000 | 1,598,000 | 2,123,000 |
| Income tax | 73,000 | 197,000 | 315,000 | 406,000 |
| Net income | 398,000 | 823,000 | 1,283,000 | 1,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 41,696,000 | 42,498,000 | 43,134,000 | 43,109,000 |
| Total capital | 43,288,000 | 44,065,000 | 44,940,000 | 44,799,000 |
| Risk-weighted assets | 222,960,000 | 224,965,000 | 227,062,000 | 231,728,000 |
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