Call reports 2012
BANK OF FRANKLIN COUNTY — 2012
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 221,787,000 | 215,028,000 | 212,338,000 | 206,784,000 |
| Total loans | 162,176,000 | 160,315,000 | 154,160,000 | 147,860,000 |
| Allowance for loan losses | 4,310,000 | 3,484,000 | 3,589,000 | 3,509,000 |
| Securities available for sale | 26,574,000 | 14,780,000 | 15,477,000 | 18,301,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,423,000 | 192,538,000 | 190,129,000 | 185,619,000 |
| Interest-bearing deposits | 181,876,000 | 174,596,000 | 172,321,000 | 168,911,000 |
| Noninterest-bearing deposits | 17,547,000 | 17,942,000 | 17,808,000 | 16,708,000 |
| Equity capital | 19,857,000 | 19,989,000 | 20,129,000 | 19,951,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,311,000 | 4,666,000 | 6,768,000 | 8,847,000 |
| Interest expense | 661,000 | 1,240,000 | 1,741,000 | 2,190,000 |
| Net interest income | 1,650,000 | 3,426,000 | 5,027,000 | 6,657,000 |
| Noninterest income | 707,000 | 1,552,000 | 2,431,000 | 2,811,000 |
| Noninterest expense | 1,878,000 | 3,818,000 | 5,874,000 | 7,851,000 |
| Provision for loan losses | 180,000 | 660,000 | 840,000 | 1,140,000 |
| Pretax income | 566,000 | 944,000 | 1,188,000 | 921,000 |
| Income tax | 196,000 | 323,000 | 404,000 | 294,000 |
| Net income | 370,000 | 621,000 | 784,000 | 627,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,802,000 | 18,142,000 | 18,338,000 | 17,973,000 |
| Total capital | 20,101,000 | 20,375,000 | 20,502,000 | 20,071,000 |
| Risk-weighted assets | 181,922,000 | 177,401,000 | 171,732,000 | 166,408,000 |