Call reports 2025
FRANKLIN STATE BANK & TRUST COMPANY — 2025
What FRANKLIN STATE BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 217,961,000 | 220,812,000 | 223,282,000 | 234,652,000 |
| Total loans | 112,706,000 | 123,197,000 | 119,490,000 | 108,618,000 |
| Allowance for loan losses | 1,652,000 | 1,641,000 | 1,626,000 | 1,810,000 |
| Securities available for sale | 23,730,000 | 20,646,000 | 27,561,000 | 27,659,000 |
| Securities held to maturity | 23,419,000 | 23,456,000 | 23,494,000 | 23,532,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 194,466,000 | 196,019,000 | 196,899,000 | 211,786,000 |
| Interest-bearing deposits | 133,554,000 | 140,883,000 | 142,269,000 | 155,890,000 |
| Noninterest-bearing deposits | 60,912,000 | 55,136,000 | 54,630,000 | 55,896,000 |
| Equity capital | 22,085,000 | 23,032,000 | 24,200,000 | 21,250,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 3,406,000 | 6,601,000 | 9,948,000 | 13,229,000 |
| Interest expense | 866,000 | 1,760,000 | 2,689,000 | 3,612,000 |
| Net interest income | 2,540,000 | 4,841,000 | 7,259,000 | 9,617,000 |
| Noninterest income | 291,000 | 516,000 | 760,000 | 993,000 |
| Noninterest expense | 1,604,000 | 3,241,000 | 4,868,000 | 6,759,000 |
| Provision for loan losses | -48,000 | -48,000 | -33,000 | 151,000 |
| Pretax income | 1,227,000 | 2,116,000 | 3,136,000 | 3,651,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,227,000 | 2,116,000 | 3,136,000 | 3,651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,078,000 | 22,827,000 | 23,708,000 | 20,747,000 |
| Total capital | 23,307,000 | 24,121,000 | 24,994,000 | 21,933,000 |
| Risk-weighted assets | 97,852,000 | 103,118,000 | 102,465,000 | 94,215,000 |