Call reports 2018
BANK OF FRANKLIN COUNTY — 2018
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 240,206,000 | 243,173,000 | 246,492,000 | 262,946,000 |
| Total loans | 190,244,000 | 190,999,000 | 196,283,000 | 208,450,000 |
| Allowance for loan losses | 2,018,000 | 2,025,000 | 2,171,000 | 2,234,000 |
| Securities available for sale | 27,368,000 | 27,601,000 | 26,401,000 | 27,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,203,000 | 213,143,000 | 213,346,000 | 213,440,000 |
| Interest-bearing deposits | 181,936,000 | 182,649,000 | 180,031,000 | 182,296,000 |
| Noninterest-bearing deposits | 29,267,000 | 30,494,000 | 33,315,000 | 31,144,000 |
| Equity capital | 22,130,000 | 21,934,000 | 22,317,000 | 23,034,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,319,000 | 4,726,000 | 7,270,000 | 10,033,000 |
| Interest expense | 308,000 | 668,000 | 1,069,000 | 1,575,000 |
| Net interest income | 2,011,000 | 4,058,000 | 6,201,000 | 8,458,000 |
| Noninterest income | 311,000 | 600,000 | 951,000 | 1,258,000 |
| Noninterest expense | 1,945,000 | 3,748,000 | 5,518,000 | 7,255,000 |
| Provision for loan losses | 195,000 | 340,000 | 466,000 | 596,000 |
| Pretax income | 183,000 | 571,000 | 1,169,000 | 1,866,000 |
| Income tax | 33,000 | 65,000 | 199,000 | 358,000 |
| Net income | 150,000 | 505,000 | 968,000 | 1,506,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,102,000 | 22,449,000 | 22,912,000 | 23,350,000 |
| Total capital | 24,120,000 | 24,474,000 | 25,083,000 | 25,584,000 |
| Risk-weighted assets | 212,428,000 | 212,661,000 | 217,282,000 | 230,969,000 |