Call reports 2007
STATE OF FRANKLIN SAVINGS BANK — 2007
What STATE OF FRANKLIN SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 360,343,000 | 370,699,000 | 368,621,000 | 372,024,000 |
| Total loans | 204,282,000 | 214,477,000 | 219,254,000 | 227,167,000 |
| Allowance for loan losses | 1,660,000 | 1,656,000 | 1,614,000 | 1,603,000 |
| Securities available for sale | 55,722,000 | 66,430,000 | 76,960,000 | 88,693,000 |
| Securities held to maturity | 6,497,000 | 2,987,000 | 2,892,000 | 2,748,000 |
| Trading assets | 53,418,000 | 35,847,000 | 35,601,000 | 29,667,000 |
| Total deposits | 294,214,000 | 304,851,000 | 302,066,000 | 288,488,000 |
| Interest-bearing deposits | 276,322,000 | 287,541,000 | 274,244,000 | 268,313,000 |
| Noninterest-bearing deposits | 17,892,000 | 17,310,000 | 27,822,000 | 20,175,000 |
| Equity capital | 28,892,000 | 28,793,000 | 29,328,000 | 23,922,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 5,728,000 | 11,687,000 | 17,816,000 | 23,789,000 |
| Interest expense | 3,211,000 | 6,613,000 | 9,975,000 | 13,109,000 |
| Net interest income | 2,517,000 | 5,074,000 | 7,841,000 | 10,680,000 |
| Noninterest income | 1,105,000 | 1,297,000 | 1,757,000 | -3,578,000 |
| Noninterest expense | 2,157,000 | 4,199,000 | 6,295,000 | 8,872,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,465,000 | 2,172,000 | 3,303,000 | -1,770,000 |
| Income tax | 433,000 | 660,000 | 958,000 | -1,203,000 |
| Net income | 1,032,000 | 1,512,000 | 2,345,000 | -567,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,207,000 | 28,687,000 | 29,285,000 | 25,569,000 |
| Total capital | 29,968,000 | 30,351,000 | 30,899,000 | 27,172,000 |
| Risk-weighted assets | 284,021,000 | 280,210,000 | 289,602,000 | 297,272,000 |