Call reports 2005
FRANKLIN COUNTY UNITED BANK — 2005
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 20,045,000 | 24,613,000 | 31,003,000 | 36,006,000 |
| Total loans | 4,367,000 | 12,944,000 | 17,390,000 | 23,507,000 |
| Allowance for loan losses | 55,000 | 162,000 | 217,000 | 294,000 |
| Securities available for sale | 10,282,000 | 8,475,000 | 8,293,000 | 8,084,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,720,000 | 16,436,000 | 22,948,000 | 28,046,000 |
| Interest-bearing deposits | 10,805,000 | 15,275,000 | 20,673,000 | 25,350,000 |
| Noninterest-bearing deposits | 915,000 | 1,161,000 | 2,275,000 | 2,696,000 |
| Equity capital | 8,279,000 | 8,131,000 | 7,988,000 | 7,860,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 151,000 | 447,000 | 876,000 | 1,419,000 |
| Interest expense | 60,000 | 168,000 | 330,000 | 537,000 |
| Net interest income | 91,000 | 279,000 | 546,000 | 882,000 |
| Noninterest income | 17,000 | 38,000 | 70,000 | 110,000 |
| Noninterest expense | 317,000 | 644,000 | 1,002,000 | 1,357,000 |
| Provision for loan losses | 53,000 | 160,000 | 220,000 | 297,000 |
| Pretax income | -262,000 | -501,000 | -623,000 | -673,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -262,000 | -501,000 | -623,000 | -673,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,403,000 | 8,195,000 | 8,079,000 | 8,030,000 |
| Total capital | 8,458,000 | 8,357,000 | 8,296,000 | 8,324,000 |
| Risk-weighted assets | 8,338,000 | 15,547,000 | 20,403,000 | 27,440,000 |
Machine access — free, no API key
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