Call reports 2008
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2008
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 216,171,000 | 224,602,000 | 224,897,000 | 224,248,000 |
| Total loans | 177,117,000 | 188,635,000 | 192,399,000 | 194,553,000 |
| Allowance for loan losses | 2,098,000 | 2,350,000 | 2,396,000 | 3,502,000 |
| Securities available for sale | 26,271,000 | 22,653,000 | 20,717,000 | 21,589,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 182,019,000 | 191,032,000 | 181,312,000 | 172,469,000 |
| Interest-bearing deposits | 163,313,000 | 170,741,000 | 163,995,000 | 156,093,000 |
| Noninterest-bearing deposits | 18,706,000 | 20,291,000 | 17,317,000 | 16,376,000 |
| Equity capital | 18,994,000 | 18,849,000 | 19,317,000 | 20,488,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,591,000 | 7,048,000 | 10,556,000 | 13,845,000 |
| Interest expense | 1,892,000 | 3,624,000 | 5,289,000 | 6,759,000 |
| Net interest income | 1,699,000 | 3,424,000 | 5,267,000 | 7,086,000 |
| Noninterest income | 243,000 | 498,000 | 659,000 | 742,000 |
| Noninterest expense | 1,154,000 | 2,388,000 | 3,633,000 | 4,951,000 |
| Provision for loan losses | 26,000 | 272,000 | 634,000 | 1,964,000 |
| Pretax income | 762,000 | 1,262,000 | 1,705,000 | 959,000 |
| Income tax | 246,000 | 403,000 | 544,000 | 281,000 |
| Net income | 516,000 | 859,000 | 1,161,000 | 678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,786,000 | 19,043,000 | 19,258,000 | 20,189,000 |
| Total capital | 20,884,000 | 21,393,000 | 21,633,000 | 22,584,000 |
| Risk-weighted assets | 180,897,000 | 188,719,000 | 190,004,000 | 190,481,000 |
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