Call reports 2004
STATE OF FRANKLIN SAVINGS BANK — 2004
What STATE OF FRANKLIN SAVINGS 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 | 309,938,000 | 307,222,000 | 301,856,000 | 295,143,000 |
| Total loans | 151,934,000 | 153,699,000 | 157,527,000 | 164,136,000 |
| Allowance for loan losses | 1,570,000 | 1,489,000 | 1,411,000 | 1,406,000 |
| Securities available for sale | 62,835,000 | 57,831,000 | 56,798,000 | 53,280,000 |
| Securities held to maturity | 45,709,000 | 47,014,000 | 51,149,000 | 49,703,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,930,000 | 236,032,000 | 230,093,000 | 222,310,000 |
| Interest-bearing deposits | 222,585,000 | 222,557,000 | 214,495,000 | 206,610,000 |
| Noninterest-bearing deposits | 15,345,000 | 13,475,000 | 15,598,000 | 15,700,000 |
| Equity capital | 23,741,000 | 23,213,000 | 24,269,000 | 24,618,000 |
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 | 3,535,000 | 7,031,000 | 10,651,000 | 14,438,000 |
| Interest expense | 1,554,000 | 3,114,000 | 4,634,000 | 6,010,000 |
| Net interest income | 1,981,000 | 3,917,000 | 6,017,000 | 8,428,000 |
| Noninterest income | 258,000 | 627,000 | 1,018,000 | 1,390,000 |
| Noninterest expense | 1,419,000 | 2,860,000 | 4,365,000 | 5,946,000 |
| Provision for loan losses | 0 | 0 | 28,000 | 28,000 |
| Pretax income | 820,000 | 1,684,000 | 2,642,000 | 3,844,000 |
| Income tax | 211,000 | 409,000 | 665,000 | 784,000 |
| Net income | 609,000 | 1,275,000 | 1,977,000 | 3,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,363,000 | 22,785,000 | 23,315,000 | 23,773,000 |
| Total capital | 23,933,000 | 24,274,000 | 24,726,000 | 25,179,000 |
| Risk-weighted assets | 195,475,000 | 201,157,000 | 205,881,000 | 208,501,000 |