Call reports 2014
FRANKLIN STATE BANK & TRUST COMPANY — 2014
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 150,263,000 | 146,682,000 | 150,382,000 | 148,716,000 |
| Total loans | 100,312,000 | 106,290,000 | 105,123,000 | 97,566,000 |
| Allowance for loan losses | 769,000 | 771,000 | 754,000 | 843,000 |
| Securities available for sale | 17,643,000 | 18,783,000 | 18,779,000 | 18,537,000 |
| Securities held to maturity | 2,005,000 | 2,004,000 | 2,004,000 | 2,004,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 129,182,000 | 124,907,000 | 127,839,000 | 135,851,000 |
| Interest-bearing deposits | 90,660,000 | 88,895,000 | 88,887,000 | 94,798,000 |
| Noninterest-bearing deposits | 38,522,000 | 36,012,000 | 38,952,000 | 41,053,000 |
| Equity capital | 12,494,000 | 13,021,000 | 13,546,000 | 12,515,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,695,000 | 3,345,000 | 5,076,000 | 6,618,000 |
| Interest expense | 91,000 | 186,000 | 290,000 | 402,000 |
| Net interest income | 1,604,000 | 3,159,000 | 4,786,000 | 6,216,000 |
| Noninterest income | 241,000 | 455,000 | 683,000 | 911,000 |
| Noninterest expense | 1,090,000 | 2,233,000 | 3,414,000 | 4,611,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 755,000 | 1,381,000 | 2,055,000 | 2,416,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 755,000 | 1,381,000 | 2,055,000 | 2,416,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,523,000 | 12,999,000 | 13,522,000 | 12,511,000 |
| Total capital | 13,292,000 | 13,770,000 | 14,276,000 | 13,354,000 |
| Risk-weighted assets | 98,301,000 | 103,581,000 | 103,681,000 | 97,165,000 |