Call reports 2002
BANK OF FRANKLIN COUNTY — 2002
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 45,815,000 | 51,548,000 | 60,801,000 | 67,759,000 |
| Total loans | 29,061,000 | 32,953,000 | 37,504,000 | 43,732,000 |
| Allowance for loan losses | 306,000 | 361,000 | 406,000 | 470,000 |
| Securities available for sale | 13,958,000 | 15,460,000 | 20,484,000 | 21,075,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,640,000 | 47,072,000 | 53,933,000 | 60,152,000 |
| Interest-bearing deposits | 37,371,000 | 42,904,000 | 49,735,000 | 53,653,000 |
| Noninterest-bearing deposits | 4,269,000 | 4,168,000 | 4,198,000 | 6,499,000 |
| Equity capital | 4,076,000 | 4,327,000 | 6,379,000 | 6,627,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 620,000 | 1,345,000 | 2,164,000 | 3,073,000 |
| Interest expense | 281,000 | 608,000 | 972,000 | 1,344,000 |
| Net interest income | 339,000 | 737,000 | 1,192,000 | 1,729,000 |
| Noninterest income | 32,000 | 66,000 | 114,000 | 198,000 |
| Noninterest expense | 246,000 | 517,000 | 806,000 | 1,154,000 |
| Provision for loan losses | 65,000 | 120,000 | 165,000 | 230,000 |
| Pretax income | 60,000 | 166,000 | 335,000 | 543,000 |
| Income tax | 21,000 | 57,000 | 114,000 | 117,000 |
| Net income | 39,000 | 109,000 | 221,000 | 426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,135,000 | 4,205,000 | 6,067,000 | 6,272,000 |
| Total capital | 4,441,000 | 4,566,000 | 6,473,000 | 6,742,000 |
| Risk-weighted assets | 26,778,000 | 30,358,000 | 35,050,000 | 39,198,000 |
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