Call reports 2005
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2005
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,299,000 | 133,436,000 | 149,970,000 | 152,486,000 |
| Total loans | 104,167,000 | 122,590,000 | 136,242,000 | 144,317,000 |
| Allowance for loan losses | 1,309,000 | 1,532,000 | 1,703,000 | 1,777,000 |
| Securities available for sale | 3,570,000 | 6,086,000 | 6,567,000 | 2,554,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,040,000 | 110,821,000 | 126,662,000 | 125,903,000 |
| Interest-bearing deposits | 88,432,000 | 98,147,000 | 112,648,000 | 112,699,000 |
| Noninterest-bearing deposits | 11,608,000 | 12,674,000 | 14,014,000 | 13,204,000 |
| Equity capital | 11,703,000 | 12,091,000 | 12,587,000 | 13,715,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,595,000 | 3,624,000 | 6,027,000 | 8,773,000 |
| Interest expense | 532,000 | 1,221,000 | 2,074,000 | 3,049,000 |
| Net interest income | 1,063,000 | 2,403,000 | 3,953,000 | 5,724,000 |
| Noninterest income | 132,000 | 292,000 | 451,000 | 583,000 |
| Noninterest expense | 669,000 | 1,379,000 | 2,149,000 | 2,954,000 |
| Provision for loan losses | 165,000 | 385,000 | 556,000 | 690,000 |
| Pretax income | 361,000 | 931,000 | 1,699,000 | 2,663,000 |
| Income tax | 123,000 | 317,000 | 578,000 | 906,000 |
| Net income | 238,000 | 614,000 | 1,121,000 | 1,757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,727,000 | 12,103,000 | 12,610,000 | 13,746,000 |
| Total capital | 13,014,000 | 13,624,000 | 14,303,000 | 15,508,000 |
| Risk-weighted assets | 102,963,000 | 121,677,000 | 135,443,000 | 140,941,000 |
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