Call reports 2005
FRANKLIN GROVE BANK — 2005
What FRANKLIN GROVE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 25,217,000 | 24,132,000 | 23,656,000 | 24,697,000 |
| Total loans | 12,145,000 | 12,583,000 | 12,170,000 | 12,677,000 |
| Allowance for loan losses | 132,000 | 132,000 | 132,000 | 129,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 10,700,000 | 10,298,000 | 10,296,000 | 10,159,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,562,000 | 19,408,000 | 18,922,000 | 19,872,000 |
| Interest-bearing deposits | 17,812,000 | 16,952,000 | 16,890,000 | 17,017,000 |
| Noninterest-bearing deposits | 2,750,000 | 2,456,000 | 2,032,000 | 2,855,000 |
| Equity capital | 4,551,000 | 4,631,000 | 4,607,000 | 4,678,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 330,000 | 667,000 | 1,000,000 | 1,337,000 |
| Interest expense | 80,000 | 161,000 | 249,000 | 342,000 |
| Net interest income | 250,000 | 506,000 | 751,000 | 995,000 |
| Noninterest income | 14,000 | 28,000 | 45,000 | 58,000 |
| Noninterest expense | 157,000 | 301,000 | 450,000 | 606,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 107,000 | 233,000 | 346,000 | 447,000 |
| Income tax | 23,000 | 69,000 | 110,000 | 140,000 |
| Net income | 84,000 | 164,000 | 236,000 | 307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,551,000 | 4,631,000 | 4,607,000 | 4,678,000 |
| Total capital | 4,683,000 | 4,763,000 | 4,739,000 | 4,807,000 |
| Risk-weighted assets | 11,496,000 | 11,662,000 | 11,314,000 | 11,870,000 |