Call reports 2015
FRANKLIN STATE BANK & TRUST COMPANY — 2015
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 164,138,000 | 162,980,000 | 163,194,000 | 161,802,000 |
| Total loans | 111,326,000 | 120,267,000 | 114,996,000 | 116,061,000 |
| Allowance for loan losses | 831,000 | 818,000 | 827,000 | 915,000 |
| Securities available for sale | 18,175,000 | 18,104,000 | 18,646,000 | 18,593,000 |
| Securities held to maturity | 2,003,000 | 2,003,000 | 2,003,000 | 2,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 133,611,000 | 131,780,000 | 131,157,000 | 140,630,000 |
| Interest-bearing deposits | 93,000,000 | 92,523,000 | 92,231,000 | 100,027,000 |
| Noninterest-bearing deposits | 40,611,000 | 39,257,000 | 38,926,000 | 40,603,000 |
| Equity capital | 13,208,000 | 13,692,000 | 14,335,000 | 12,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,800,000 | 3,584,000 | 5,418,000 | 7,132,000 |
| Interest expense | 116,000 | 248,000 | 383,000 | 526,000 |
| Net interest income | 1,684,000 | 3,336,000 | 5,035,000 | 6,606,000 |
| Noninterest income | 235,000 | 461,000 | 681,000 | 869,000 |
| Noninterest expense | 1,164,000 | 2,343,000 | 3,506,000 | 4,807,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 120,000 |
| Pretax income | 755,000 | 1,454,000 | 2,190,000 | 2,548,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 755,000 | 1,454,000 | 2,190,000 | 2,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,115,000 | 13,664,000 | 14,251,000 | 12,848,000 |
| Total capital | 13,946,000 | 14,482,000 | 15,078,000 | 13,763,000 |
| Risk-weighted assets | 109,999,000 | 118,354,000 | 113,858,000 | 115,244,000 |