Call reports 2007
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2007
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 201,021,000 | 197,506,000 | 207,776,000 | 205,430,000 |
| Total loans | 159,913,000 | 166,824,000 | 169,730,000 | 173,877,000 |
| Allowance for loan losses | 1,937,000 | 2,002,000 | 2,042,000 | 2,087,000 |
| Securities available for sale | 27,244,000 | 13,381,000 | 24,709,000 | 22,570,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,170,000 | 178,485,000 | 180,536,000 | 178,025,000 |
| Interest-bearing deposits | 155,431,000 | 159,102,000 | 161,217,000 | 159,034,000 |
| Noninterest-bearing deposits | 16,739,000 | 19,383,000 | 19,319,000 | 18,991,000 |
| Equity capital | 17,556,000 | 18,017,000 | 18,645,000 | 18,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 3,612,000 | 7,415,000 | 11,202,000 | 15,119,000 |
| Interest expense | 1,923,000 | 3,850,000 | 5,754,000 | 7,643,000 |
| Net interest income | 1,689,000 | 3,565,000 | 5,448,000 | 7,476,000 |
| Noninterest income | 200,000 | 406,000 | 609,000 | 853,000 |
| Noninterest expense | 1,021,000 | 2,065,000 | 3,252,000 | 4,341,000 |
| Provision for loan losses | 0 | 144,000 | 166,000 | 255,000 |
| Pretax income | 868,000 | 1,762,000 | 2,639,000 | 3,733,000 |
| Income tax | 287,000 | 574,000 | 857,000 | 1,213,000 |
| Net income | 581,000 | 1,188,000 | 1,782,000 | 2,520,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,551,000 | 18,158,000 | 18,752,000 | 18,607,000 |
| Total capital | 19,488,000 | 20,160,000 | 20,794,000 | 20,694,000 |
| Risk-weighted assets | 165,255,000 | 171,325,000 | 175,611,000 | 177,440,000 |
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