Call reports 2010
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2010
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 221,753,000 | 225,270,000 | 222,988,000 | 214,062,000 |
| Total loans | 163,836,000 | 162,646,000 | 162,761,000 | 159,721,000 |
| Allowance for loan losses | 3,306,000 | 3,105,000 | 3,483,000 | 3,584,000 |
| Securities available for sale | 20,140,000 | 27,902,000 | 26,872,000 | 27,054,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,354,000 | 189,584,000 | 187,238,000 | 178,492,000 |
| Interest-bearing deposits | 168,473,000 | 170,159,000 | 167,503,000 | 158,997,000 |
| Noninterest-bearing deposits | 17,881,000 | 19,425,000 | 19,735,000 | 19,495,000 |
| Equity capital | 20,853,000 | 21,299,000 | 21,275,000 | 21,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,719,000 | 5,362,000 | 8,056,000 | 10,657,000 |
| Interest expense | 959,000 | 1,898,000 | 2,784,000 | 3,630,000 |
| Net interest income | 1,760,000 | 3,464,000 | 5,272,000 | 7,027,000 |
| Noninterest income | 187,000 | 414,000 | 620,000 | 842,000 |
| Noninterest expense | 1,604,000 | 3,106,000 | 4,641,000 | 6,120,000 |
| Provision for loan losses | 393,000 | 592,000 | 1,097,000 | 1,292,000 |
| Pretax income | 370,000 | 600,000 | 805,000 | 1,108,000 |
| Income tax | 117,000 | 186,000 | 247,000 | 341,000 |
| Net income | 253,000 | 414,000 | 558,000 | 767,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,514,000 | 20,675,000 | 20,819,000 | 21,029,000 |
| Total capital | 22,513,000 | 22,677,000 | 22,814,000 | 22,995,000 |
| Risk-weighted assets | 158,596,000 | 159,085,000 | 158,121,000 | 155,641,000 |