Call reports 2005
STATE OF FRANKLIN SAVINGS BANK — 2005
What STATE OF FRANKLIN SAVINGS 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 | 297,382,000 | 309,286,000 | 316,862,000 | 315,787,000 |
| Total loans | 171,453,000 | 175,580,000 | 179,850,000 | 183,579,000 |
| Allowance for loan losses | 1,466,000 | 1,606,000 | 1,722,000 | 1,820,000 |
| Securities available for sale | 52,163,000 | 51,504,000 | 50,343,000 | 49,346,000 |
| Securities held to maturity | 48,419,000 | 47,238,000 | 45,886,000 | 42,250,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 224,291,000 | 233,916,000 | 240,596,000 | 243,142,000 |
| Interest-bearing deposits | 207,826,000 | 214,599,000 | 220,749,000 | 221,318,000 |
| Noninterest-bearing deposits | 16,465,000 | 19,317,000 | 19,847,000 | 21,824,000 |
| Equity capital | 25,386,000 | 27,522,000 | 28,557,000 | 24,617,000 |
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 | 3,846,000 | 8,058,000 | 12,382,000 | 16,969,000 |
| Interest expense | 1,499,000 | 3,222,000 | 5,085,000 | 7,190,000 |
| Net interest income | 2,347,000 | 4,836,000 | 7,297,000 | 9,779,000 |
| Noninterest income | 302,000 | 709,000 | 1,030,000 | 1,325,000 |
| Noninterest expense | 1,761,000 | 3,499,000 | 5,199,000 | 7,031,000 |
| Provision for loan losses | 60,000 | 200,000 | 320,000 | 440,000 |
| Pretax income | 828,000 | 4,421,000 | 5,543,000 | 6,368,000 |
| Income tax | 214,000 | 1,420,000 | 1,657,000 | 1,856,000 |
| Net income | 614,000 | 3,001,000 | 3,886,000 | 4,512,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,803,000 | 26,934,000 | 28,074,000 | 24,309,000 |
| Total capital | 26,269,000 | 28,540,000 | 29,796,000 | 26,129,000 |
| Risk-weighted assets | 215,401,000 | 218,484,000 | 223,484,000 | 223,266,000 |