Call reports 2003
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2003
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 21,581,000 | 28,502,000 | 40,159,000 | 49,349,000 |
| Total loans | 14,156,000 | 23,909,000 | 34,090,000 | 41,584,000 |
| Allowance for loan losses | 184,000 | 311,000 | 443,000 | 541,000 |
| Securities available for sale | 3,619,000 | 3,130,000 | 3,127,000 | 4,624,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,478,000 | 23,537,000 | 35,439,000 | 44,580,000 |
| Interest-bearing deposits | 14,544,000 | 19,693,000 | 30,466,000 | 39,290,000 |
| Noninterest-bearing deposits | 1,934,000 | 3,844,000 | 4,973,000 | 5,290,000 |
| Equity capital | 5,002,000 | 4,784,000 | 4,620,000 | 4,632,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 188,000 | 459,000 | 847,000 | 1,404,000 |
| Interest expense | 74,000 | 175,000 | 315,000 | 499,000 |
| Net interest income | 114,000 | 284,000 | 532,000 | 905,000 |
| Noninterest income | 83,000 | 186,000 | 263,000 | 358,000 |
| Noninterest expense | 245,000 | 621,000 | 977,000 | 1,334,000 |
| Provision for loan losses | 53,000 | 180,000 | 312,000 | 410,000 |
| Pretax income | -101,000 | -331,000 | -494,000 | -481,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -101,000 | -331,000 | -494,000 | -481,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,002,000 | 4,772,000 | 4,609,000 | 4,622,000 |
| Total capital | 5,186,000 | 5,073,000 | 5,034,000 | 5,163,000 |
| Risk-weighted assets | 15,129,000 | 24,087,000 | 33,923,000 | 43,390,000 |
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