Call reports 2004
BANK OF FRANKLIN COUNTY — 2004
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,803,000 | 109,016,000 | 111,872,000 | 110,145,000 |
| Total loans | 68,156,000 | 74,483,000 | 81,009,000 | 81,925,000 |
| Allowance for loan losses | 741,000 | 819,000 | 828,000 | 843,000 |
| Securities available for sale | 26,049,000 | 30,309,000 | 25,642,000 | 22,543,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,066,000 | 92,099,000 | 95,032,000 | 95,372,000 |
| Interest-bearing deposits | 83,473,000 | 85,283,000 | 86,889,000 | 86,223,000 |
| Noninterest-bearing deposits | 7,593,000 | 6,816,000 | 8,143,000 | 9,149,000 |
| Equity capital | 7,398,000 | 7,180,000 | 10,102,000 | 11,484,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,096,000 | 2,292,000 | 3,575,000 | 4,875,000 |
| Interest expense | 397,000 | 827,000 | 1,290,000 | 1,757,000 |
| Net interest income | 699,000 | 1,465,000 | 2,285,000 | 3,118,000 |
| Noninterest income | 94,000 | 192,000 | 258,000 | 336,000 |
| Noninterest expense | 473,000 | 962,000 | 1,475,000 | 2,033,000 |
| Provision for loan losses | 60,000 | 130,000 | 157,000 | 172,000 |
| Pretax income | 260,000 | 565,000 | 911,000 | 1,278,000 |
| Income tax | 91,000 | 200,000 | 315,000 | 439,000 |
| Net income | 169,000 | 365,000 | 596,000 | 839,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,161,000 | 7,357,000 | 10,087,000 | 11,579,000 |
| Total capital | 7,902,000 | 8,176,000 | 10,915,000 | 12,422,000 |
| Risk-weighted assets | 64,467,000 | 70,038,000 | 75,980,000 | 77,174,000 |
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