Call reports 2013
FRANKLIN COUNTY UNITED BANK — 2013
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 91,758,000 | 88,597,000 | 88,367,000 | 85,397,000 |
| Total loans | 63,815,000 | 64,397,000 | 66,652,000 | 63,610,000 |
| Allowance for loan losses | 3,459,000 | 3,544,000 | 3,466,000 | 2,621,000 |
| Securities available for sale | 11,915,000 | 11,110,000 | 10,576,000 | 10,217,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,938,000 | 77,785,000 | 77,365,000 | 75,796,000 |
| Interest-bearing deposits | 72,509,000 | 68,849,000 | 66,670,000 | 65,682,000 |
| Noninterest-bearing deposits | 8,429,000 | 8,936,000 | 10,695,000 | 10,114,000 |
| Equity capital | 10,646,000 | 10,569,000 | 10,674,000 | 9,427,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,059,000 | 2,087,000 | 3,094,000 | 4,025,000 |
| Interest expense | 185,000 | 362,000 | 534,000 | 696,000 |
| Net interest income | 874,000 | 1,725,000 | 2,560,000 | 3,329,000 |
| Noninterest income | 137,000 | 306,000 | 477,000 | 592,000 |
| Noninterest expense | 732,000 | 1,488,000 | 2,197,000 | 2,912,000 |
| Provision for loan losses | 90,000 | 180,000 | 287,000 | 2,455,000 |
| Pretax income | 189,000 | 363,000 | 553,000 | -1,446,000 |
| Income tax | 73,000 | 140,000 | 213,000 | -552,000 |
| Net income | 116,000 | 223,000 | 340,000 | -894,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,294,000 | 10,261,000 | 10,381,000 | 8,089,000 |
| Total capital | 11,190,000 | 11,145,000 | 11,286,000 | 8,947,000 |
| Risk-weighted assets | 69,102,000 | 68,081,000 | 69,806,000 | 66,869,000 |
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