Call reports 2010
FRANKLIN COUNTY UNITED BANK — 2010
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 97,912,000 | 98,479,000 | 100,577,000 | 99,874,000 |
| Total loans | 73,615,000 | 74,412,000 | 74,931,000 | 72,608,000 |
| Allowance for loan losses | 1,276,000 | 2,245,000 | 2,174,000 | 2,371,000 |
| Securities available for sale | 10,919,000 | 10,054,000 | 10,547,000 | 11,113,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,673,000 | 86,744,000 | 88,610,000 | 88,979,000 |
| Interest-bearing deposits | 79,545,000 | 78,903,000 | 82,467,000 | 83,114,000 |
| Noninterest-bearing deposits | 6,128,000 | 7,841,000 | 6,143,000 | 5,865,000 |
| Equity capital | 12,038,000 | 11,526,000 | 11,726,000 | 10,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,344,000 | 2,728,000 | 4,152,000 | 5,526,000 |
| Interest expense | 437,000 | 848,000 | 1,241,000 | 1,614,000 |
| Net interest income | 907,000 | 1,880,000 | 2,911,000 | 3,912,000 |
| Noninterest income | 141,000 | 207,000 | 340,000 | 135,000 |
| Noninterest expense | 783,000 | 1,547,000 | 2,329,000 | 3,131,000 |
| Provision for loan losses | 201,000 | 1,487,000 | 1,487,000 | 2,937,000 |
| Pretax income | 64,000 | -947,000 | -565,000 | -2,021,000 |
| Income tax | 27,000 | -398,000 | -237,000 | -766,000 |
| Net income | 37,000 | -549,000 | -328,000 | -1,255,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,939,000 | 11,354,000 | 11,575,000 | 10,648,000 |
| Total capital | 12,944,000 | 12,386,000 | 12,615,000 | 11,673,000 |
| Risk-weighted assets | 80,165,000 | 81,353,000 | 82,070,000 | 80,594,000 |
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