Call reports 2010
FRANKLIN STATE BANK & TRUST COMPANY — 2010
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 119,203,000 | 116,450,000 | 119,174,000 | 121,446,000 |
| Total loans | 65,654,000 | 70,792,000 | 68,813,000 | 66,754,000 |
| Allowance for loan losses | 565,000 | 577,000 | 548,000 | 600,000 |
| Securities available for sale | 37,612,000 | 33,250,000 | 27,294,000 | 33,869,000 |
| Securities held to maturity | 2,294,000 | 2,143,000 | 2,143,000 | 2,143,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,363,000 | 104,257,000 | 106,440,000 | 110,033,000 |
| Interest-bearing deposits | 80,975,000 | 78,899,000 | 76,716,000 | 78,706,000 |
| Noninterest-bearing deposits | 26,388,000 | 25,358,000 | 29,724,000 | 31,327,000 |
| Equity capital | 11,258,000 | 11,627,000 | 12,030,000 | 11,081,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,416,000 | 2,895,000 | 4,390,000 | 5,726,000 |
| Interest expense | 237,000 | 464,000 | 683,000 | 883,000 |
| Net interest income | 1,179,000 | 2,431,000 | 3,707,000 | 4,843,000 |
| Noninterest income | 262,000 | 497,000 | 691,000 | 903,000 |
| Noninterest expense | 998,000 | 2,005,000 | 3,020,000 | 4,039,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 443,000 | 923,000 | 1,378,000 | 1,607,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 443,000 | 923,000 | 1,378,000 | 1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,163,000 | 11,493,000 | 11,798,000 | 11,064,000 |
| Total capital | 11,483,000 | 11,818,000 | 12,346,000 | 11,664,000 |
| Risk-weighted assets | 64,497,000 | 65,810,000 | 67,160,000 | 68,160,000 |