Call reports 2006
FRANKLIN STATE BANK & TRUST COMPANY — 2006
What FRANKLIN STATE BANK & TRUST COMPANY 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 | 103,333,000 | 108,941,000 | 105,109,000 | 107,672,000 |
| Total loans | 52,787,000 | 59,470,000 | 58,809,000 | 51,515,000 |
| Allowance for loan losses | 581,000 | 555,000 | 525,000 | 457,000 |
| Securities available for sale | 38,160,000 | 37,957,000 | 35,277,000 | 43,180,000 |
| Securities held to maturity | 1,367,000 | 1,177,000 | 1,177,000 | 1,177,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,386,000 | 96,540,000 | 92,043,000 | 97,127,000 |
| Interest-bearing deposits | 71,040,000 | 74,226,000 | 69,416,000 | 72,460,000 |
| Noninterest-bearing deposits | 22,346,000 | 22,314,000 | 22,627,000 | 24,667,000 |
| Equity capital | 9,154,000 | 9,433,000 | 9,956,000 | 9,681,000 |
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 | 1,549,000 | 3,205,000 | 4,969,000 | 6,703,000 |
| Interest expense | 399,000 | 895,000 | 1,399,000 | 1,940,000 |
| Net interest income | 1,150,000 | 2,310,000 | 3,570,000 | 4,763,000 |
| Noninterest income | 249,000 | 496,000 | 726,000 | 959,000 |
| Noninterest expense | 936,000 | 1,902,000 | 2,859,000 | 3,819,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 463,000 | 904,000 | 1,437,000 | 1,903,000 |
| Income tax | 0 | -56,000 | -58,000 | -58,000 |
| Net income | 463,000 | 960,000 | 1,495,000 | 1,961,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,366,000 | 9,713,000 | 10,098,000 | 9,800,000 |
| Total capital | 9,874,000 | 10,184,000 | 10,458,000 | 10,048,000 |
| Risk-weighted assets | 52,229,000 | 57,167,000 | 55,106,000 | 53,019,000 |