Call reports 2016
BANK OF FRANKLIN COUNTY — 2016
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 205,793,000 | 211,313,000 | 212,130,000 | 221,898,000 |
| Total loans | 159,405,000 | 160,204,000 | 161,831,000 | 173,695,000 |
| Allowance for loan losses | 2,082,000 | 2,195,000 | 1,812,000 | 1,833,000 |
| Securities available for sale | 23,390,000 | 23,949,000 | 25,887,000 | 25,486,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 183,422,000 | 188,409,000 | 188,856,000 | 194,954,000 |
| Interest-bearing deposits | 160,661,000 | 162,546,000 | 162,093,000 | 170,516,000 |
| Noninterest-bearing deposits | 22,761,000 | 25,863,000 | 26,763,000 | 24,438,000 |
| Equity capital | 21,252,000 | 21,521,000 | 21,786,000 | 21,621,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,748,000 | 5,603,000 | 7,586,000 |
| Interest expense | 201,000 | 399,000 | 597,000 | 793,000 |
| Net interest income | 1,660,000 | 3,349,000 | 5,006,000 | 6,793,000 |
| Noninterest income | 295,000 | 696,000 | 1,144,000 | 1,677,000 |
| Noninterest expense | 1,412,000 | 2,961,000 | 4,575,000 | 6,157,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 580,000 |
| Pretax income | 467,000 | 902,000 | 1,273,000 | 1,793,000 |
| Income tax | 179,000 | 344,000 | 461,000 | 657,000 |
| Net income | 288,000 | 558,000 | 812,000 | 1,136,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,401,000 | 20,378,000 | 20,632,000 | 20,956,000 |
| Total capital | 22,483,000 | 22,573,000 | 22,444,000 | 22,789,000 |
| Risk-weighted assets | 178,783,000 | 180,087,000 | 187,653,000 | 196,634,000 |