Call reports 2002
STATE OF FRANKLIN SAVINGS BANK — 2002
What STATE OF FRANKLIN SAVINGS BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 256,075,000 | 263,546,000 | 267,031,000 | 267,032,000 |
| Total loans | 145,742,000 | 154,023,000 | 160,856,000 | 159,715,000 |
| Allowance for loan losses | 1,299,000 | 1,374,000 | 1,348,000 | 1,487,000 |
| Securities available for sale | 67,279,000 | 61,585,000 | 59,076,000 | 62,011,000 |
| Securities held to maturity | 18,576,000 | 22,833,000 | 19,808,000 | 15,738,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,907,000 | 207,315,000 | 208,215,000 | 207,754,000 |
| Interest-bearing deposits | 197,358,000 | 196,918,000 | 197,233,000 | 196,137,000 |
| Noninterest-bearing deposits | 9,550,000 | 10,397,000 | 10,982,000 | 11,617,000 |
| Equity capital | 17,726,000 | 18,953,000 | 20,662,000 | 20,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,904,000 | 7,968,000 | 12,013,000 | 15,905,000 |
| Interest expense | 1,832,000 | 3,706,000 | 5,530,000 | 7,209,000 |
| Net interest income | 2,072,000 | 4,262,000 | 6,483,000 | 8,696,000 |
| Noninterest income | 221,000 | 392,000 | 636,000 | 884,000 |
| Noninterest expense | 1,288,000 | 2,516,000 | 3,870,000 | 5,104,000 |
| Provision for loan losses | 140,000 | 260,000 | 380,000 | 540,000 |
| Pretax income | 865,000 | 1,878,000 | 3,125,000 | 4,196,000 |
| Income tax | 162,000 | 330,000 | 594,000 | 846,000 |
| Net income | 703,000 | 1,548,000 | 2,531,000 | 3,350,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,947,000 | 18,434,000 | 19,775,000 | 20,441,000 |
| Total capital | 19,255,000 | 19,808,000 | 21,204,000 | 21,928,000 |
| Risk-weighted assets | 170,059,000 | 178,403,000 | 181,673,000 | 190,848,000 |