Call reports 2011
BANK OF FRANKLIN COUNTY — 2011
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 223,546,000 | 228,521,000 | 226,892,000 | 222,306,000 |
| Total loans | 154,432,000 | 156,807,000 | 156,347,000 | 156,014,000 |
| Allowance for loan losses | 4,227,000 | 3,221,000 | 3,315,000 | 4,160,000 |
| Securities available for sale | 33,310,000 | 31,938,000 | 33,453,000 | 31,969,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 202,374,000 | 207,112,000 | 204,035,000 | 200,461,000 |
| Interest-bearing deposits | 188,044,000 | 192,248,000 | 186,825,000 | 182,752,000 |
| Noninterest-bearing deposits | 14,330,000 | 14,864,000 | 17,210,000 | 17,709,000 |
| Equity capital | 19,199,000 | 19,422,000 | 19,779,000 | 19,625,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,395,000 | 4,721,000 | 7,243,000 | 9,702,000 |
| Interest expense | 917,000 | 1,836,000 | 2,742,000 | 3,486,000 |
| Net interest income | 1,478,000 | 2,885,000 | 4,501,000 | 6,216,000 |
| Noninterest income | 164,000 | 579,000 | 1,126,000 | 1,688,000 |
| Noninterest expense | 1,713,000 | 3,381,000 | 5,112,000 | 6,899,000 |
| Provision for loan losses | 2,020,000 | 2,200,000 | 2,380,000 | 3,260,000 |
| Pretax income | -2,091,000 | -2,075,000 | -1,671,000 | -2,026,000 |
| Income tax | -720,000 | -724,000 | -597,000 | -731,000 |
| Net income | -1,371,000 | -1,351,000 | -1,074,000 | -1,295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,196,000 | 18,335,000 | 18,429,000 | 17,299,000 |
| Total capital | 21,367,000 | 20,538,000 | 20,632,000 | 19,528,000 |
| Risk-weighted assets | 171,628,000 | 175,185,000 | 175,094,000 | 176,417,000 |