Call reports 2007
FRANKLIN COUNTY UNITED BANK — 2007
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,011,000 | 72,121,000 | 77,405,000 | 82,263,000 |
| Total loans | 48,833,000 | 55,937,000 | 58,352,000 | 62,239,000 |
| Allowance for loan losses | 627,000 | 714,000 | 737,000 | 766,000 |
| Securities available for sale | 6,590,000 | 6,407,000 | 7,527,000 | 7,433,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 55,855,000 | 62,812,000 | 67,715,000 | 71,194,000 |
| Interest-bearing deposits | 50,693,000 | 56,018,000 | 61,717,000 | 65,850,000 |
| Noninterest-bearing deposits | 5,162,000 | 6,794,000 | 5,998,000 | 5,344,000 |
| Equity capital | 9,002,000 | 9,109,000 | 9,425,000 | 10,839,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,203,000 | 2,534,000 | 4,027,000 | 5,566,000 |
| Interest expense | 553,000 | 1,179,000 | 1,904,000 | 2,658,000 |
| Net interest income | 650,000 | 1,355,000 | 2,123,000 | 2,908,000 |
| Noninterest income | 89,000 | 190,000 | 289,000 | 406,000 |
| Noninterest expense | 463,000 | 1,011,000 | 1,627,000 | 2,220,000 |
| Provision for loan losses | 71,000 | 155,000 | 182,000 | 215,000 |
| Pretax income | 205,000 | 379,000 | 603,000 | 879,000 |
| Income tax | 78,000 | 145,000 | 231,000 | 345,000 |
| Net income | 127,000 | 234,000 | 372,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,055,000 | 9,200,000 | 9,461,000 | 10,827,000 |
| Total capital | 9,682,000 | 9,914,000 | 10,198,000 | 11,593,000 |
| Risk-weighted assets | 51,609,000 | 59,066,000 | 62,319,000 | 66,753,000 |
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