Call reports 2006
FRANKLIN COUNTY UNITED BANK — 2006
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 42,318,000 | 46,070,000 | 53,964,000 | 58,252,000 |
| Total loans | 30,584,000 | 36,007,000 | 40,378,000 | 43,255,000 |
| Allowance for loan losses | 383,000 | 450,000 | 505,000 | 556,000 |
| Securities available for sale | 7,944,000 | 6,796,000 | 6,734,000 | 6,671,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 34,408,000 | 38,017,000 | 45,611,000 | 49,277,000 |
| Interest-bearing deposits | 30,016,000 | 33,677,000 | 40,923,000 | 44,166,000 |
| Noninterest-bearing deposits | 4,392,000 | 4,340,000 | 4,688,000 | 5,111,000 |
| Equity capital | 7,820,000 | 7,931,000 | 8,207,000 | 8,820,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 688,000 | 1,522,000 | 2,503,000 | 3,587,000 |
| Interest expense | 268,000 | 608,000 | 1,043,000 | 1,548,000 |
| Net interest income | 420,000 | 914,000 | 1,460,000 | 2,039,000 |
| Noninterest income | 43,000 | 114,000 | 180,000 | 266,000 |
| Noninterest expense | 394,000 | 766,000 | 1,201,000 | 1,646,000 |
| Provision for loan losses | 91,000 | 158,000 | 215,000 | 306,000 |
| Pretax income | -22,000 | 95,000 | 215,000 | 344,000 |
| Income tax | 0 | 0 | 0 | -356,000 |
| Net income | -22,000 | 95,000 | 215,000 | 700,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,015,000 | 8,153,000 | 8,367,000 | 8,745,000 |
| Total capital | 8,398,000 | 8,603,000 | 8,872,000 | 9,301,000 |
| Risk-weighted assets | 33,090,000 | 38,552,000 | 42,701,000 | 45,481,000 |
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