Call reports 2015
FRANKLIN COUNTY UNITED BANK — 2015
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 85,343,000 | 83,530,000 | 81,550,000 | 77,829,000 |
| Total loans | 60,116,000 | 58,373,000 | 56,968,000 | 58,755,000 |
| Allowance for loan losses | 1,619,000 | 1,665,000 | 1,559,000 | 2,102,000 |
| Securities available for sale | 9,860,000 | 10,539,000 | 10,265,000 | 7,954,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,996,000 | 73,436,000 | 71,567,000 | 67,965,000 |
| Interest-bearing deposits | 64,813,000 | 62,982,000 | 60,711,000 | 57,423,000 |
| Noninterest-bearing deposits | 10,183,000 | 10,454,000 | 10,856,000 | 10,542,000 |
| Equity capital | 9,906,000 | 9,854,000 | 9,663,000 | 9,638,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 935,000 | 1,830,000 | 2,753,000 | 3,651,000 |
| Interest expense | 123,000 | 242,000 | 356,000 | 462,000 |
| Net interest income | 812,000 | 1,588,000 | 2,397,000 | 3,189,000 |
| Noninterest income | 102,000 | 103,000 | -74,000 | 482,000 |
| Noninterest expense | 768,000 | 1,500,000 | 2,329,000 | 3,183,000 |
| Provision for loan losses | 250,000 | 325,000 | 470,000 | 970,000 |
| Pretax income | -104,000 | -134,000 | -476,000 | -482,000 |
| Income tax | -42,000 | -55,000 | -188,000 | -192,000 |
| Net income | -62,000 | -79,000 | -288,000 | -290,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,443,000 | 9,327,000 | 9,118,000 | 8,468,000 |
| Total capital | 10,303,000 | 10,116,000 | 9,881,000 | 9,218,000 |
| Risk-weighted assets | 67,804,000 | 61,941,000 | 59,928,000 | 57,992,000 |
Machine access — free, no API key
Every figure shown here about FRANKLIN COUNTY UNITED BANK — 2015 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.