Call reports 2012
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2012
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 198,357,000 | 196,070,000 | 185,638,000 | 182,484,000 |
| Total loans | 139,742,000 | 140,452,000 | 137,504,000 | 135,661,000 |
| Allowance for loan losses | 2,621,000 | 2,564,000 | 2,409,000 | 2,602,000 |
| Securities available for sale | 24,734,000 | 24,398,000 | 21,166,000 | 18,837,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,540,000 | 160,167,000 | 157,066,000 | 151,179,000 |
| Interest-bearing deposits | 138,310,000 | 137,238,000 | 132,709,000 | 128,183,000 |
| Noninterest-bearing deposits | 24,230,000 | 22,929,000 | 24,357,000 | 22,996,000 |
| Equity capital | 21,269,000 | 21,432,000 | 21,482,000 | 23,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,113,000 | 4,208,000 | 6,292,000 | 8,415,000 |
| Interest expense | 518,000 | 1,000,000 | 1,456,000 | 1,821,000 |
| Net interest income | 1,595,000 | 3,208,000 | 4,836,000 | 6,594,000 |
| Noninterest income | 139,000 | 104,000 | -364,000 | 2,164,000 |
| Noninterest expense | 1,424,000 | 2,888,000 | 4,349,000 | 6,684,000 |
| Provision for loan losses | 201,000 | 174,000 | -33,000 | 486,000 |
| Pretax income | 109,000 | 252,000 | 158,000 | 1,590,000 |
| Income tax | 23,000 | 56,000 | 8,000 | -331,000 |
| Net income | 86,000 | 196,000 | 150,000 | 1,921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,920,000 | 21,029,000 | 20,983,000 | 22,754,000 |
| Total capital | 22,700,000 | 22,788,000 | 22,662,000 | 24,400,000 |
| Risk-weighted assets | 141,596,000 | 139,861,000 | 133,528,000 | 130,654,000 |