Call reports 2004
FRANKLIN STATE BANK & TRUST COMPANY — 2004
What FRANKLIN STATE BANK & TRUST COMPANY 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 | 98,491,000 | 97,713,000 | 93,860,000 | 99,885,000 |
| Total loans | 57,106,000 | 62,774,000 | 60,919,000 | 53,474,000 |
| Allowance for loan losses | 781,000 | 741,000 | 665,000 | 674,000 |
| Securities available for sale | 25,154,000 | 23,850,000 | 19,920,000 | 33,799,000 |
| Securities held to maturity | 2,929,000 | 2,644,000 | 2,314,000 | 2,163,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,573,000 | 87,654,000 | 83,357,000 | 90,525,000 |
| Interest-bearing deposits | 72,236,000 | 68,580,000 | 67,545,000 | 70,899,000 |
| Noninterest-bearing deposits | 16,337,000 | 19,074,000 | 15,812,000 | 19,626,000 |
| Equity capital | 8,985,000 | 9,125,000 | 9,488,000 | 8,660,000 |
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 | 1,268,000 | 2,557,000 | 3,877,000 | 5,157,000 |
| Interest expense | 251,000 | 495,000 | 732,000 | 972,000 |
| Net interest income | 1,017,000 | 2,062,000 | 3,145,000 | 4,185,000 |
| Noninterest income | 240,000 | 499,000 | 759,000 | 983,000 |
| Noninterest expense | 910,000 | 1,814,000 | 2,703,000 | 3,641,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 347,000 | 749,000 | 1,203,000 | 1,379,000 |
| Income tax | 108,000 | 183,000 | 330,000 | 330,000 |
| Net income | 239,000 | 566,000 | 873,000 | 1,049,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,913,000 | 9,241,000 | 9,548,000 | 8,789,000 |
| Total capital | 9,580,000 | 9,934,000 | 10,170,000 | 9,383,000 |
| Risk-weighted assets | 53,258,000 | 55,485,000 | 50,473,000 | 46,743,000 |