Call reports 2009
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2009
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 222,497,000 | 227,569,000 | 227,665,000 | 224,797,000 |
| Total loans | 186,945,000 | 182,978,000 | 177,340,000 | 168,289,000 |
| Allowance for loan losses | 3,518,000 | 3,664,000 | 3,771,000 | 3,278,000 |
| Securities available for sale | 21,561,000 | 26,893,000 | 24,255,000 | 23,978,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,358,000 | 191,179,000 | 191,475,000 | 189,510,000 |
| Interest-bearing deposits | 163,530,000 | 173,296,000 | 172,529,000 | 171,810,000 |
| Noninterest-bearing deposits | 17,828,000 | 17,883,000 | 18,946,000 | 17,700,000 |
| Equity capital | 20,944,000 | 21,191,000 | 21,469,000 | 20,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,031,000 | 6,022,000 | 8,946,000 | 11,798,000 |
| Interest expense | 1,285,000 | 2,520,000 | 3,710,000 | 4,732,000 |
| Net interest income | 1,746,000 | 3,502,000 | 5,236,000 | 7,066,000 |
| Noninterest income | 125,000 | 340,000 | 534,000 | 437,000 |
| Noninterest expense | 1,371,000 | 2,809,000 | 4,199,000 | 5,684,000 |
| Provision for loan losses | 126,000 | 267,000 | 657,000 | 1,766,000 |
| Pretax income | 374,000 | 766,000 | 914,000 | 53,000 |
| Income tax | 118,000 | 242,000 | 283,000 | -19,000 |
| Net income | 256,000 | 524,000 | 631,000 | 72,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,445,000 | 20,713,000 | 20,820,000 | 20,261,000 |
| Total capital | 22,742,000 | 22,970,000 | 22,958,000 | 22,320,000 |
| Risk-weighted assets | 182,527,000 | 179,129,000 | 169,393,000 | 163,464,000 |