Call reports 2004
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2004
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 57,907,000 | 78,368,000 | 92,878,000 | 98,269,000 |
| Total loans | 52,101,000 | 66,754,000 | 76,434,000 | 89,951,000 |
| Allowance for loan losses | 678,000 | 768,000 | 885,000 | 1,123,000 |
| Securities available for sale | 4,148,000 | 5,599,000 | 10,124,000 | 3,616,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,123,000 | 72,858,000 | 86,354,000 | 90,438,000 |
| Interest-bearing deposits | 46,597,000 | 65,120,000 | 75,563,000 | 81,455,000 |
| Noninterest-bearing deposits | 5,526,000 | 7,738,000 | 10,791,000 | 8,983,000 |
| Equity capital | 5,625,000 | 5,277,000 | 6,154,000 | 7,294,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 697,000 | 1,572,000 | 2,713,000 | 4,100,000 |
| Interest expense | 225,000 | 516,000 | 952,000 | 1,428,000 |
| Net interest income | 472,000 | 1,056,000 | 1,761,000 | 2,672,000 |
| Noninterest income | 84,000 | 180,000 | 269,000 | 400,000 |
| Noninterest expense | 401,000 | 944,000 | 1,515,000 | 2,012,000 |
| Provision for loan losses | 137,000 | 575,000 | 692,000 | 957,000 |
| Pretax income | 18,000 | -283,000 | -177,000 | 103,000 |
| Income tax | 0 | 0 | 0 | -429,000 |
| Net income | 18,000 | -283,000 | -177,000 | 532,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,590,000 | 5,289,000 | 6,139,000 | 7,289,000 |
| Total capital | 6,253,000 | 6,057,000 | 7,024,000 | 8,406,000 |
| Risk-weighted assets | 52,991,000 | 70,276,000 | 76,817,000 | 89,333,000 |
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