Call reports 2006
STATE OF FRANKLIN SAVINGS BANK — 2006
What STATE OF FRANKLIN SAVINGS BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 333,970,000 | 347,246,000 | 343,172,000 | 352,944,000 |
| Total loans | 189,680,000 | 195,963,000 | 197,517,000 | 202,684,000 |
| Allowance for loan losses | 1,804,000 | 1,720,000 | 1,691,000 | 1,661,000 |
| Securities available for sale | 52,888,000 | 61,824,000 | 67,443,000 | 74,174,000 |
| Securities held to maturity | 43,264,000 | 42,562,000 | 41,035,000 | 40,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 258,731,000 | 272,208,000 | 279,707,000 | 287,894,000 |
| Interest-bearing deposits | 238,611,000 | 253,397,000 | 259,247,000 | 269,193,000 |
| Noninterest-bearing deposits | 20,120,000 | 18,811,000 | 20,460,000 | 18,701,000 |
| Equity capital | 26,119,000 | 26,552,000 | 27,495,000 | 28,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 4,754,000 | 9,800,000 | 15,150,000 | 20,854,000 |
| Interest expense | 2,350,000 | 5,074,000 | 8,188,000 | 11,381,000 |
| Net interest income | 2,404,000 | 4,726,000 | 6,962,000 | 9,473,000 |
| Noninterest income | 184,000 | 338,000 | 745,000 | 1,105,000 |
| Noninterest expense | 1,789,000 | 3,672,000 | 5,544,000 | 7,705,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 799,000 | 1,573,000 | 2,364,000 | 3,074,000 |
| Income tax | 204,000 | 180,000 | 318,000 | 761,000 |
| Net income | 595,000 | 1,393,000 | 2,046,000 | 2,313,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,799,000 | 26,492,000 | 27,100,000 | 27,845,000 |
| Total capital | 27,603,000 | 28,212,000 | 28,791,000 | 29,506,000 |
| Risk-weighted assets | 232,140,000 | 241,138,000 | 245,251,000 | 258,185,000 |