Call reports 2012
FRANKLIN COUNTY UNITED BANK — 2012
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 94,818,000 | 94,488,000 | 94,989,000 | 93,315,000 |
| Total loans | 66,708,000 | 66,285,000 | 64,512,000 | 64,141,000 |
| Allowance for loan losses | 2,180,000 | 2,268,000 | 2,061,000 | 3,444,000 |
| Securities available for sale | 10,611,000 | 11,729,000 | 11,143,000 | 11,096,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,027,000 | 82,675,000 | 82,842,000 | 82,501,000 |
| Interest-bearing deposits | 75,472,000 | 74,632,000 | 74,403,000 | 74,032,000 |
| Noninterest-bearing deposits | 7,555,000 | 8,043,000 | 8,439,000 | 8,469,000 |
| Equity capital | 11,391,000 | 11,571,000 | 11,728,000 | 10,550,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,228,000 | 2,419,000 | 3,549,000 | 4,613,000 |
| Interest expense | 236,000 | 467,000 | 684,000 | 888,000 |
| Net interest income | 992,000 | 1,952,000 | 2,865,000 | 3,725,000 |
| Noninterest income | 116,000 | 265,000 | 402,000 | 320,000 |
| Noninterest expense | 755,000 | 1,495,000 | 2,235,000 | 2,972,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 1,979,000 |
| Pretax income | 233,000 | 482,000 | 672,000 | -899,000 |
| Income tax | 90,000 | 188,000 | 260,000 | -346,000 |
| Net income | 143,000 | 294,000 | 412,000 | -553,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,236,000 | 11,388,000 | 11,507,000 | 10,180,000 |
| Total capital | 12,185,000 | 12,315,000 | 12,408,000 | 11,083,000 |
| Risk-weighted assets | 74,687,000 | 72,821,000 | 70,957,000 | 69,759,000 |