Call reports 2016
FRANKLIN SAVINGS BANK — 2016
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 426,184,000 | 437,800,000 | 436,209,000 | 439,516,000 |
| Total loans | 306,358,000 | 310,959,000 | 320,569,000 | 326,430,000 |
| Allowance for loan losses | 1,899,000 | 1,979,000 | 2,163,000 | 2,236,000 |
| Securities available for sale | 81,451,000 | 75,049,000 | 71,963,000 | 76,482,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 342,848,000 | 358,921,000 | 362,628,000 | 363,166,000 |
| Interest-bearing deposits | 297,686,000 | 307,405,000 | 309,906,000 | 312,524,000 |
| Noninterest-bearing deposits | 45,162,000 | 51,516,000 | 52,722,000 | 50,642,000 |
| Equity capital | 44,390,000 | 45,044,000 | 45,381,000 | 45,042,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,708,000 | 7,411,000 | 11,204,000 | 15,080,000 |
| Interest expense | 632,000 | 1,245,000 | 1,835,000 | 2,408,000 |
| Net interest income | 3,076,000 | 6,166,000 | 9,369,000 | 12,672,000 |
| Noninterest income | 993,000 | 2,098,000 | 3,179,000 | 4,275,000 |
| Noninterest expense | 3,516,000 | 7,169,000 | 10,847,000 | 14,619,000 |
| Provision for loan losses | 147,000 | 282,000 | 473,000 | 545,000 |
| Pretax income | 406,000 | 840,000 | 1,255,000 | 1,831,000 |
| Income tax | 71,000 | 136,000 | 207,000 | 333,000 |
| Net income | 335,000 | 704,000 | 1,048,000 | 1,498,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,793,000 | 45,205,000 | 45,549,000 | 45,998,000 |
| Total capital | 46,801,000 | 47,345,000 | 47,875,000 | 48,369,000 |
| Risk-weighted assets | 288,132,000 | 291,294,000 | 301,049,000 | 303,476,000 |