Call reports 2015
FRANKLIN SAVINGS BANK — 2015
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 388,714,000 | 408,705,000 | 409,769,000 | 426,809,000 |
| Total loans | 255,069,000 | 283,462,000 | 298,975,000 | 302,935,000 |
| Allowance for loan losses | 1,580,000 | 1,623,000 | 1,633,000 | 1,811,000 |
| Securities available for sale | 85,874,000 | 74,797,000 | 73,695,000 | 73,103,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 310,378,000 | 312,178,000 | 320,062,000 | 326,486,000 |
| Interest-bearing deposits | 272,379,000 | 273,047,000 | 280,285,000 | 283,243,000 |
| Noninterest-bearing deposits | 37,999,000 | 39,131,000 | 39,777,000 | 43,243,000 |
| Equity capital | 44,072,000 | 44,105,000 | 44,668,000 | 43,970,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,296,000 | 6,615,000 | 10,208,000 | 13,933,000 |
| Interest expense | 590,000 | 1,186,000 | 1,795,000 | 2,412,000 |
| Net interest income | 2,706,000 | 5,429,000 | 8,413,000 | 11,521,000 |
| Noninterest income | 952,000 | 2,063,000 | 3,165,000 | 4,223,000 |
| Noninterest expense | 3,264,000 | 6,644,000 | 10,007,000 | 13,532,000 |
| Provision for loan losses | 35,000 | 72,000 | 189,000 | 372,000 |
| Pretax income | 447,000 | 875,000 | 1,480,000 | 1,938,000 |
| Income tax | 87,000 | 163,000 | 297,000 | 369,000 |
| Net income | 360,000 | 712,000 | 1,183,000 | 1,569,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,271,000 | 43,623,000 | 44,114,000 | 44,485,000 |
| Total capital | 45,102,000 | 45,503,000 | 45,943,000 | 46,402,000 |
| Risk-weighted assets | 257,556,000 | 273,218,000 | 275,868,000 | 276,671,000 |
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