Call reports 2009
FRANKLIN STATE BANK & TRUST COMPANY — 2009
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 117,875,000 | 116,379,000 | 116,493,000 | 125,112,000 |
| Total loans | 59,859,000 | 66,942,000 | 65,158,000 | 61,691,000 |
| Allowance for loan losses | 476,000 | 462,000 | 437,000 | 581,000 |
| Securities available for sale | 41,208,000 | 30,105,000 | 34,180,000 | 34,340,000 |
| Securities held to maturity | 695,000 | 545,000 | 285,000 | 2,294,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,161,000 | 104,317,000 | 103,932,000 | 113,683,000 |
| Interest-bearing deposits | 80,432,000 | 79,540,000 | 76,629,000 | 81,963,000 |
| Noninterest-bearing deposits | 25,729,000 | 24,777,000 | 27,303,000 | 31,720,000 |
| Equity capital | 11,125,000 | 11,331,000 | 11,732,000 | 11,002,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,544,000 | 3,094,000 | 4,616,000 | 6,017,000 |
| Interest expense | 301,000 | 580,000 | 851,000 | 1,105,000 |
| Net interest income | 1,243,000 | 2,514,000 | 3,765,000 | 4,912,000 |
| Noninterest income | 228,000 | 464,000 | 696,000 | 1,161,000 |
| Noninterest expense | 983,000 | 2,056,000 | 3,046,000 | 4,232,000 |
| Provision for loan losses | 0 | 0 | 0 | 150,000 |
| Pretax income | 488,000 | 922,000 | 1,415,000 | 1,691,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 488,000 | 922,000 | 1,415,000 | 1,691,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,892,000 | 11,176,000 | 11,518,000 | 10,869,000 |
| Total capital | 11,105,000 | 11,341,000 | 11,617,000 | 11,234,000 |
| Risk-weighted assets | 58,946,000 | 60,582,000 | 61,500,000 | 63,478,000 |