Call reports 2005
BANK OF FRANKLIN COUNTY — 2005
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 116,590,000 | 127,760,000 | 136,042,000 | 141,589,000 |
| Total loans | 88,703,000 | 98,871,000 | 106,514,000 | 112,118,000 |
| Allowance for loan losses | 888,000 | 918,000 | 963,000 | 963,000 |
| Securities available for sale | 22,244,000 | 22,772,000 | 24,248,000 | 22,980,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 99,794,000 | 106,150,000 | 114,734,000 | 118,498,000 |
| Interest-bearing deposits | 89,779,000 | 95,317,000 | 103,314,000 | 105,802,000 |
| Noninterest-bearing deposits | 10,015,000 | 10,833,000 | 11,420,000 | 12,696,000 |
| Equity capital | 11,513,000 | 11,839,000 | 12,100,000 | 12,364,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,379,000 | 2,968,000 | 4,771,000 | 6,753,000 |
| Interest expense | 511,000 | 1,129,000 | 1,890,000 | 2,766,000 |
| Net interest income | 868,000 | 1,839,000 | 2,881,000 | 3,987,000 |
| Noninterest income | 84,000 | 183,000 | 295,000 | 398,000 |
| Noninterest expense | 616,000 | 1,245,000 | 1,929,000 | 2,580,000 |
| Provision for loan losses | 45,000 | 75,000 | 120,000 | 165,000 |
| Pretax income | 291,000 | 702,000 | 1,127,000 | 1,640,000 |
| Income tax | 101,000 | 245,000 | 394,000 | 574,000 |
| Net income | 190,000 | 457,000 | 733,000 | 1,066,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,769,000 | 12,036,000 | 12,312,000 | 12,646,000 |
| Total capital | 12,657,000 | 12,954,000 | 13,275,000 | 13,609,000 |
| Risk-weighted assets | 83,167,000 | 93,545,000 | 102,200,000 | 110,002,000 |
Machine access — free, no API key
Every figure shown here about BANK OF FRANKLIN COUNTY — 2005 can also be queried live: FACTANKER runs an MCP server at https://factanker.com/mcp (tools: lookup_entity, get_facts, query_template, search_facts) and a REST endpoint at https://factanker.com/api/get_facts. Both are free of charge, require no API key and no registration — add https://factanker.com/mcp as a connector in Claude, ChatGPT or Copilot. Every answer carries its source document and a citation reference. Setup: /quickstart.