Call reports 2004
FRANKLIN GROVE BANK — 2004
What FRANKLIN GROVE BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,183,000 | 23,904,000 | 24,428,000 | 25,236,000 |
| Total loans | 11,267,000 | 11,720,000 | 12,352,000 | 12,541,000 |
| Allowance for loan losses | 132,000 | 132,000 | 132,000 | 132,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,745,000 | 11,154,000 | 10,752,000 | 9,702,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,644,000 | 18,993,000 | 19,608,000 | 20,536,000 |
| Interest-bearing deposits | 17,396,000 | 16,936,000 | 16,936,000 | 17,565,000 |
| Noninterest-bearing deposits | 2,248,000 | 2,057,000 | 2,672,000 | 2,971,000 |
| Equity capital | 4,429,000 | 4,501,000 | 4,488,000 | 4,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 319,000 | 634,000 | 972,000 | 1,294,000 |
| Interest expense | 79,000 | 159,000 | 239,000 | 320,000 |
| Net interest income | 240,000 | 475,000 | 733,000 | 974,000 |
| Noninterest income | 13,000 | 26,000 | 40,000 | 53,000 |
| Noninterest expense | 153,000 | 288,000 | 432,000 | 588,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 100,000 | 213,000 | 341,000 | 440,000 |
| Income tax | 22,000 | 63,000 | 112,000 | 140,000 |
| Net income | 78,000 | 150,000 | 229,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,429,000 | 4,501,000 | 4,488,000 | 4,559,000 |
| Total capital | 4,561,000 | 4,633,000 | 4,620,000 | 4,691,000 |
| Risk-weighted assets | 11,172,000 | 11,316,000 | 11,926,000 | 12,026,000 |