Call reports 2013
FRANKLIN STATE BANK & TRUST COMPANY — 2013
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 138,974,000 | 138,930,000 | 141,147,000 | 143,621,000 |
| Total loans | 89,041,000 | 99,043,000 | 95,877,000 | 89,142,000 |
| Allowance for loan losses | 583,000 | 565,000 | 543,000 | 784,000 |
| Securities available for sale | 19,063,000 | 17,141,000 | 17,222,000 | 17,247,000 |
| Securities held to maturity | 2,006,000 | 2,005,000 | 2,005,000 | 2,005,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,446,000 | 126,124,000 | 127,509,000 | 131,301,000 |
| Interest-bearing deposits | 87,555,000 | 85,704,000 | 83,849,000 | 91,729,000 |
| Noninterest-bearing deposits | 38,891,000 | 40,420,000 | 43,660,000 | 39,572,000 |
| Equity capital | 12,264,000 | 12,395,000 | 12,968,000 | 11,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,544,000 | 3,126,000 | 4,817,000 | 6,280,000 |
| Interest expense | 126,000 | 228,000 | 322,000 | 411,000 |
| Net interest income | 1,418,000 | 2,898,000 | 4,495,000 | 5,869,000 |
| Noninterest income | 374,000 | 604,000 | 830,000 | 1,064,000 |
| Noninterest expense | 1,070,000 | 2,147,000 | 3,337,000 | 4,449,000 |
| Provision for loan losses | 0 | 0 | 0 | 250,000 |
| Pretax income | 722,000 | 1,355,000 | 1,988,000 | 2,234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 722,000 | 1,355,000 | 1,988,000 | 2,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,078,000 | 12,561,000 | 13,043,000 | 11,919,000 |
| Total capital | 12,661,000 | 13,126,000 | 13,586,000 | 12,703,000 |
| Risk-weighted assets | 85,757,000 | 94,806,000 | 93,917,000 | 88,591,000 |