Call reports 2015
BANK OF FRANKLIN COUNTY — 2015
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 206,227,000 | 204,411,000 | 207,455,000 | 210,054,000 |
| Total loans | 160,214,000 | 156,909,000 | 153,916,000 | 160,169,000 |
| Allowance for loan losses | 2,126,000 | 2,133,000 | 1,994,000 | 1,960,000 |
| Securities available for sale | 22,311,000 | 24,469,000 | 27,298,000 | 27,300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 181,637,000 | 182,138,000 | 184,508,000 | 183,611,000 |
| Interest-bearing deposits | 159,363,000 | 159,023,000 | 159,120,000 | 159,500,000 |
| Noninterest-bearing deposits | 22,274,000 | 23,115,000 | 25,388,000 | 24,111,000 |
| Equity capital | 20,944,000 | 21,078,000 | 21,437,000 | 20,800,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,852,000 | 3,727,000 | 5,583,000 | 7,457,000 |
| Interest expense | 211,000 | 425,000 | 636,000 | 841,000 |
| Net interest income | 1,641,000 | 3,302,000 | 4,947,000 | 6,616,000 |
| Noninterest income | 321,000 | 647,000 | 924,000 | 1,241,000 |
| Noninterest expense | 1,322,000 | 2,810,000 | 4,381,000 | 5,879,000 |
| Provision for loan losses | 201,000 | 321,000 | 403,000 | 483,000 |
| Pretax income | 481,000 | 860,000 | 1,129,000 | 1,535,000 |
| Income tax | 163,000 | 292,000 | 379,000 | 517,000 |
| Net income | 318,000 | 568,000 | 750,000 | 1,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,680,000 | 19,930,000 | 20,403,000 | 19,990,000 |
| Total capital | 21,806,000 | 22,063,000 | 22,397,000 | 21,950,000 |
| Risk-weighted assets | 180,952,000 | 181,041,000 | 181,321,000 | 184,357,000 |