Call reports 2014
FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION — 2014
What FRANKLIN COMMUNITY BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 165,851,000 | 165,588,000 | 166,667,000 | 163,642,000 |
| Total loans | 126,783,000 | 127,231,000 | 127,723,000 | 123,013,000 |
| Allowance for loan losses | 2,352,000 | 2,245,000 | 2,205,000 | 1,212,000 |
| Securities available for sale | 20,213,000 | 14,112,000 | 13,401,000 | 12,887,000 |
| Securities held to maturity | 0 | 5,641,000 | 5,623,000 | 5,605,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 140,591,000 | 140,017,000 | 140,665,000 | 137,212,000 |
| Interest-bearing deposits | 112,339,000 | 113,344,000 | 112,940,000 | 109,659,000 |
| Noninterest-bearing deposits | 28,252,000 | 26,673,000 | 27,725,000 | 27,553,000 |
| Equity capital | 23,198,000 | 23,652,000 | 23,954,000 | 23,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,703,000 | 3,439,000 | 5,192,000 | 6,879,000 |
| Interest expense | 204,000 | 383,000 | 547,000 | 700,000 |
| Net interest income | 1,499,000 | 3,056,000 | 4,645,000 | 6,179,000 |
| Noninterest income | 212,000 | 457,000 | 648,000 | 893,000 |
| Noninterest expense | 1,299,000 | 2,595,000 | 3,905,000 | 5,427,000 |
| Provision for loan losses | 73,000 | 87,000 | 74,000 | 152,000 |
| Pretax income | 339,000 | 831,000 | 1,314,000 | 1,493,000 |
| Income tax | 104,000 | 260,000 | 413,000 | 463,000 |
| Net income | 235,000 | 571,000 | 901,000 | 1,030,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,135,000 | 22,562,000 | 23,036,000 | 23,937,000 |
| Total capital | 23,661,000 | 24,083,000 | 24,562,000 | 25,149,000 |
| Risk-weighted assets | 121,274,000 | 120,917,000 | 121,406,000 | 120,437,000 |