Call reports 2019
FRANKLIN SAVINGS BANK — 2019
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 504,365,000 | 519,367,000 | 522,536,000 | 527,859,000 |
| Total loans | 344,486,000 | 342,875,000 | 351,413,000 | 372,374,000 |
| Allowance for loan losses | 2,560,000 | 2,635,000 | 2,693,000 | 2,733,000 |
| Securities available for sale | 107,965,000 | 103,243,000 | 113,242,000 | 106,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 436,631,000 | 449,461,000 | 453,421,000 | 455,182,000 |
| Interest-bearing deposits | 375,086,000 | 383,765,000 | 384,593,000 | 390,489,000 |
| Noninterest-bearing deposits | 61,545,000 | 65,696,000 | 68,828,000 | 64,693,000 |
| Equity capital | 52,019,000 | 53,747,000 | 53,198,000 | 53,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 4,771,000 | 9,557,000 | 14,659,000 | 19,633,000 |
| Interest expense | 1,129,000 | 2,285,000 | 3,518,000 | 4,687,000 |
| Net interest income | 3,642,000 | 7,272,000 | 11,141,000 | 14,946,000 |
| Noninterest income | 1,174,000 | 2,418,000 | 3,728,000 | 5,065,000 |
| Noninterest expense | 3,953,000 | 8,006,000 | 11,945,000 | 16,089,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 803,000 | 1,565,000 | 2,745,000 | 3,718,000 |
| Income tax | 140,000 | 257,000 | 519,000 | 753,000 |
| Net income | 663,000 | 1,308,000 | 2,226,000 | 2,965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 52,221,000 | 52,865,000 | 53,806,000 | 53,679,000 |
| Total capital | 54,902,000 | 55,617,000 | 56,620,000 | 56,534,000 |
| Risk-weighted assets | 331,150,000 | 336,911,000 | 350,572,000 | 355,262,000 |
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