Call reports 2005
FRANKLIN STATE BANK & TRUST COMPANY — 2005
What FRANKLIN STATE BANK & TRUST COMPANY 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 | 97,131,000 | 97,060,000 | 94,063,000 | 105,844,000 |
| Total loans | 53,865,000 | 56,849,000 | 57,917,000 | 51,596,000 |
| Allowance for loan losses | 646,000 | 639,000 | 624,000 | 573,000 |
| Securities available for sale | 31,582,000 | 30,735,000 | 26,709,000 | 35,182,000 |
| Securities held to maturity | 1,593,000 | 1,543,000 | 1,368,000 | 1,367,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,480,000 | 84,465,000 | 81,518,000 | 96,265,000 |
| Interest-bearing deposits | 68,096,000 | 66,101,000 | 62,335,000 | 73,106,000 |
| Noninterest-bearing deposits | 19,384,000 | 18,364,000 | 19,183,000 | 23,159,000 |
| Equity capital | 8,812,000 | 9,205,000 | 9,515,000 | 8,855,000 |
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 | 1,343,000 | 2,689,000 | 4,120,000 | 5,570,000 |
| Interest expense | 257,000 | 530,000 | 841,000 | 1,213,000 |
| Net interest income | 1,086,000 | 2,159,000 | 3,279,000 | 4,357,000 |
| Noninterest income | 234,000 | 456,000 | 713,000 | 986,000 |
| Noninterest expense | 905,000 | 1,789,000 | 2,683,000 | 3,644,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 415,000 | 826,000 | 1,309,000 | 1,699,000 |
| Income tax | 134,000 | 250,000 | 405,000 | 506,000 |
| Net income | 281,000 | 576,000 | 904,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,071,000 | 9,366,000 | 9,693,000 | 9,053,000 |
| Total capital | 9,646,000 | 9,995,000 | 10,297,000 | 9,541,000 |
| Risk-weighted assets | 45,966,000 | 51,179,000 | 51,443,000 | 52,543,000 |