Call reports 2025
FRANKLIN SAVINGS BANK — 2025
What FRANKLIN SAVINGS BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 856,737,000 | 905,293,000 | 902,418,000 | 917,282,000 |
| Total loans | 656,065,000 | 694,644,000 | 712,947,000 | 738,651,000 |
| Allowance for loan losses | 5,478,000 | 5,753,000 | 5,892,000 | 6,133,000 |
| Securities available for sale | 144,029,000 | 132,585,000 | 128,315,000 | 124,145,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 714,191,000 | 747,263,000 | 762,159,000 | 794,502,000 |
| Interest-bearing deposits | 594,737,000 | 620,195,000 | 631,542,000 | 662,056,000 |
| Noninterest-bearing deposits | 119,454,000 | 127,068,000 | 130,617,000 | 132,446,000 |
| Equity capital | 68,926,000 | 70,680,000 | 75,348,000 | 77,776,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 9,320,000 | 19,599,000 | 30,419,000 | 41,572,000 |
| Interest expense | 4,021,000 | 8,278,000 | 12,559,000 | 16,812,000 |
| Net interest income | 5,299,000 | 11,321,000 | 17,860,000 | 24,760,000 |
| Noninterest income | 1,831,000 | 3,684,000 | 5,620,000 | 7,560,000 |
| Noninterest expense | 5,497,000 | 11,154,000 | 16,908,000 | 22,818,000 |
| Provision for loan losses | 269,000 | 540,000 | 690,000 | 1,130,000 |
| Pretax income | 1,442,000 | 3,409,000 | 5,919,000 | 8,477,000 |
| Income tax | 246,000 | 621,000 | 1,098,000 | 1,679,000 |
| Net income | 1,196,000 | 2,788,000 | 4,821,000 | 6,798,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 79,648,000 | 81,240,000 | 83,273,000 | 85,250,000 |
| Total capital | 85,580,000 | 87,411,000 | 89,642,000 | 91,772,000 |
| Risk-weighted assets | 632,847,000 | 667,552,000 | 692,564,000 | 709,968,000 |