Call reports 2014
BANK OF FRANKLIN COUNTY — 2014
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 206,209,000 | 203,524,000 | 206,781,000 | 205,664,000 |
| Total loans | 153,617,000 | 151,984,000 | 148,829,000 | 156,111,000 |
| Allowance for loan losses | 2,025,000 | 2,153,000 | 2,076,000 | 1,961,000 |
| Securities available for sale | 27,937,000 | 29,708,000 | 29,622,000 | 28,291,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,517,000 | 181,738,000 | 184,649,000 | 179,171,000 |
| Interest-bearing deposits | 165,073,000 | 162,453,000 | 163,343,000 | 156,894,000 |
| Noninterest-bearing deposits | 19,444,000 | 19,285,000 | 21,306,000 | 22,277,000 |
| Equity capital | 20,347,000 | 20,630,000 | 20,831,000 | 20,514,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 1,916,000 | 3,776,000 | 5,644,000 | 7,516,000 |
| Interest expense | 253,000 | 484,000 | 717,000 | 944,000 |
| Net interest income | 1,663,000 | 3,292,000 | 4,927,000 | 6,572,000 |
| Noninterest income | 60,000 | 289,000 | 567,000 | 810,000 |
| Noninterest expense | 1,483,000 | 3,016,000 | 4,464,000 | 5,899,000 |
| Provision for loan losses | 75,000 | 208,000 | 388,000 | 436,000 |
| Pretax income | 211,000 | 406,000 | 733,000 | 1,151,000 |
| Income tax | 61,000 | 118,000 | 225,000 | 364,000 |
| Net income | 150,000 | 288,000 | 508,000 | 787,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,349,000 | 19,183,000 | 19,289,000 | 19,639,000 |
| Total capital | 21,374,000 | 21,230,000 | 21,343,000 | 21,600,000 |
| Risk-weighted assets | 165,653,000 | 163,671,000 | 164,332,000 | 168,665,000 |