Call reports 2011
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2011
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 209,834,000 | 211,240,000 | 205,881,000 | 203,325,000 |
| Total loans | 156,446,000 | 152,910,000 | 151,954,000 | 144,042,000 |
| Allowance for loan losses | 3,280,000 | 3,063,000 | 3,294,000 | 3,273,000 |
| Securities available for sale | 25,877,000 | 24,805,000 | 22,295,000 | 21,200,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,631,000 | 175,747,000 | 170,119,000 | 167,670,000 |
| Interest-bearing deposits | 154,486,000 | 153,578,000 | 147,849,000 | 146,536,000 |
| Noninterest-bearing deposits | 20,145,000 | 22,169,000 | 22,270,000 | 21,134,000 |
| Equity capital | 20,717,000 | 21,097,000 | 21,306,000 | 21,221,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,495,000 | 4,898,000 | 7,239,000 | 9,460,000 |
| Interest expense | 715,000 | 1,367,000 | 1,975,000 | 2,532,000 |
| Net interest income | 1,780,000 | 3,531,000 | 5,264,000 | 6,928,000 |
| Noninterest income | -124,000 | -282,000 | -123,000 | -166,000 |
| Noninterest expense | 1,501,000 | 2,905,000 | 4,285,000 | 5,579,000 |
| Provision for loan losses | 853,000 | 909,000 | 1,344,000 | 1,660,000 |
| Pretax income | -698,000 | -565,000 | -488,000 | -360,000 |
| Income tax | -246,000 | -212,000 | -197,000 | -165,000 |
| Net income | -452,000 | -353,000 | -291,000 | -195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,576,000 | 20,675,000 | 20,737,000 | 20,833,000 |
| Total capital | 22,539,000 | 22,561,000 | 22,592,000 | 22,654,000 |
| Risk-weighted assets | 155,761,000 | 149,705,000 | 146,926,000 | 144,235,000 |