Call reports 2013
BANK OF FRANKLIN COUNTY — 2013
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 211,785,000 | 212,027,000 | 214,721,000 | 210,254,000 |
| Total loans | 153,155,000 | 152,394,000 | 152,354,000 | 154,365,000 |
| Allowance for loan losses | 3,519,000 | 3,352,000 | 3,203,000 | 2,212,000 |
| Securities available for sale | 21,106,000 | 25,279,000 | 29,141,000 | 33,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 190,637,000 | 190,742,000 | 193,120,000 | 186,814,000 |
| Interest-bearing deposits | 173,114,000 | 171,302,000 | 172,133,000 | 168,231,000 |
| Noninterest-bearing deposits | 17,523,000 | 19,440,000 | 20,987,000 | 18,583,000 |
| Equity capital | 20,097,000 | 19,864,000 | 19,900,000 | 20,039,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,000,000 | 3,899,000 | 5,870,000 | 7,904,000 |
| Interest expense | 399,000 | 787,000 | 1,139,000 | 1,450,000 |
| Net interest income | 1,601,000 | 3,112,000 | 4,731,000 | 6,454,000 |
| Noninterest income | 457,000 | 680,000 | 864,000 | 1,056,000 |
| Noninterest expense | 1,650,000 | 3,056,000 | 4,488,000 | 5,983,000 |
| Provision for loan losses | 180,000 | 400,000 | 510,000 | 676,000 |
| Pretax income | 228,000 | 336,000 | 597,000 | 867,000 |
| Income tax | 73,000 | 102,000 | 183,000 | 265,000 |
| Net income | 155,000 | 234,000 | 414,000 | 602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,164,000 | 18,239,000 | 18,825,000 | 19,118,000 |
| Total capital | 20,279,000 | 20,396,000 | 20,968,000 | 21,230,000 |
| Risk-weighted assets | 167,756,000 | 171,357,000 | 170,368,000 | 168,864,000 |