Call reports 2016
FRANKLIN STATE BANK & TRUST COMPANY — 2016
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 157,678,000 | 162,412,000 | 165,586,000 | 157,792,000 |
| Total loans | 114,702,000 | 121,010,000 | 116,268,000 | 106,217,000 |
| Allowance for loan losses | 896,000 | 859,000 | 840,000 | 928,000 |
| Securities available for sale | 18,611,000 | 18,656,000 | 18,600,000 | 20,451,000 |
| Securities held to maturity | 2,002,000 | 2,002,000 | 2,002,000 | 2,002,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,643,000 | 128,533,000 | 130,648,000 | 138,008,000 |
| Interest-bearing deposits | 92,492,000 | 90,529,000 | 90,594,000 | 98,575,000 |
| Noninterest-bearing deposits | 39,151,000 | 38,004,000 | 40,054,000 | 39,433,000 |
| Equity capital | 13,619,000 | 14,298,000 | 15,209,000 | 15,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,824,000 | 3,601,000 | 5,411,000 | 7,060,000 |
| Interest expense | 149,000 | 306,000 | 477,000 | 657,000 |
| Net interest income | 1,675,000 | 3,295,000 | 4,934,000 | 6,403,000 |
| Noninterest income | 184,000 | 377,000 | 635,000 | 838,000 |
| Noninterest expense | 1,179,000 | 2,366,000 | 3,579,000 | 4,796,000 |
| Provision for loan losses | 4,150,000 | 4,150,000 | 3,885,000 | 3,985,000 |
| Pretax income | -3,470,000 | -2,844,000 | -1,895,000 | -1,540,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -3,470,000 | -2,844,000 | -1,895,000 | -1,540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,528,000 | 14,154,000 | 15,103,000 | 15,365,000 |
| Total capital | 14,424,000 | 15,013,000 | 15,943,000 | 16,293,000 |
| Risk-weighted assets | 112,048,000 | 116,737,000 | 113,771,000 | 105,318,000 |