Call reports 2013
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2013
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 179,648,000 | 179,095,000 | 173,903,000 | 168,361,000 |
| Total loans | 132,289,000 | 129,562,000 | 125,635,000 | 124,683,000 |
| Allowance for loan losses | 2,431,000 | 2,917,000 | 2,730,000 | 2,379,000 |
| Securities available for sale | 16,883,000 | 18,192,000 | 22,593,000 | 21,832,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 154,264,000 | 154,543,000 | 149,043,000 | 143,398,000 |
| Interest-bearing deposits | 126,199,000 | 126,707,000 | 121,191,000 | 116,377,000 |
| Noninterest-bearing deposits | 28,065,000 | 27,836,000 | 27,852,000 | 27,021,000 |
| Equity capital | 23,365,000 | 22,665,000 | 22,872,000 | 22,866,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,887,000 | 3,717,000 | 5,466,000 | 7,226,000 |
| Interest expense | 287,000 | 566,000 | 826,000 | 1,058,000 |
| Net interest income | 1,600,000 | 3,151,000 | 4,640,000 | 6,168,000 |
| Noninterest income | 232,000 | 493,000 | 701,000 | 900,000 |
| Noninterest expense | 1,321,000 | 2,659,000 | 4,020,000 | 5,277,000 |
| Provision for loan losses | 188,000 | 1,253,000 | 1,326,000 | 1,665,000 |
| Pretax income | 323,000 | -221,000 | 42,000 | 173,000 |
| Income tax | 100,000 | -95,000 | -15,000 | 20,000 |
| Net income | 223,000 | -126,000 | 57,000 | 153,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,977,000 | 22,629,000 | 22,811,000 | 21,750,000 |
| Total capital | 24,559,000 | 24,182,000 | 24,333,000 | 23,259,000 |
| Risk-weighted assets | 125,650,000 | 122,868,000 | 120,541,000 | 119,813,000 |