Call reports 2016
FRANKLIN COUNTY UNITED BANK — 2016
What FRANKLIN COUNTY UNITED BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Total assets | 76,408,000 | 76,889,000 |
| Total loans | 58,106,000 | 54,341,000 |
| Allowance for loan losses | 2,118,000 | 2,121,000 |
| Securities available for sale | 7,733,000 | 6,474,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 66,440,000 | 66,723,000 |
| Interest-bearing deposits | 56,175,000 | 56,519,000 |
| Noninterest-bearing deposits | 10,265,000 | 10,204,000 |
| Equity capital | 9,785,000 | 9,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Interest income | 880,000 | 1,744,000 |
| Interest expense | 96,000 | 192,000 |
| Net interest income | 784,000 | 1,552,000 |
| Noninterest income | 107,000 | 214,000 |
| Noninterest expense | 697,000 | 1,374,000 |
| Provision for loan losses | 0 | 0 |
| Pretax income | 194,000 | 392,000 |
| Income tax | 72,000 | 146,000 |
| Net income | 122,000 | 246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 |
|---|---|---|
| Tier 1 capital | 8,374,000 | 8,577,000 |
| Total capital | 9,115,000 | 9,262,000 |
| Risk-weighted assets | 57,372,000 | 52,885,000 |