Call reports 2017
BANK OF FRANKLIN COUNTY — 2017
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 232,341,000 | 236,828,000 | 238,828,000 | 239,006,000 |
| Total loans | 175,985,000 | 187,039,000 | 188,842,000 | 188,596,000 |
| Allowance for loan losses | 1,790,000 | 1,840,000 | 1,844,000 | 1,835,000 |
| Securities available for sale | 25,650,000 | 27,048,000 | 27,813,000 | 27,552,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,621,000 | 212,342,000 | 212,238,000 | 210,338,000 |
| Interest-bearing deposits | 176,960,000 | 183,050,000 | 180,009,000 | 180,585,000 |
| Noninterest-bearing deposits | 29,661,000 | 29,292,000 | 32,229,000 | 29,753,000 |
| Equity capital | 21,815,000 | 21,820,000 | 22,169,000 | 22,217,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,988,000 | 4,193,000 | 6,413,000 | 8,686,000 |
| Interest expense | 207,000 | 433,000 | 687,000 | 962,000 |
| Net interest income | 1,781,000 | 3,760,000 | 5,726,000 | 7,724,000 |
| Noninterest income | 401,000 | 791,000 | 1,292,000 | 1,860,000 |
| Noninterest expense | 1,721,000 | 3,467,000 | 5,246,000 | 7,049,000 |
| Provision for loan losses | 195,000 | 390,000 | 585,000 | 780,000 |
| Pretax income | 266,000 | 715,000 | 1,233,000 | 1,801,000 |
| Income tax | 85,000 | 250,000 | 360,000 | 606,000 |
| Net income | 181,000 | 465,000 | 873,000 | 1,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,038,000 | 21,286,000 | 21,695,000 | 21,952,000 |
| Total capital | 22,828,000 | 23,126,000 | 23,539,000 | 23,787,000 |
| Risk-weighted assets | 201,555,000 | 210,187,000 | 207,404,000 | 208,525,000 |