Call reports 2019
BANK OF FRANKLIN COUNTY — 2019
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 265,604,000 | 264,652,000 | 273,129,000 | 261,035,000 |
| Total loans | 206,541,000 | 206,523,000 | 213,417,000 | 203,150,000 |
| Allowance for loan losses | 2,448,000 | 2,584,000 | 2,376,000 | 2,462,000 |
| Securities available for sale | 27,430,000 | 29,240,000 | 30,294,000 | 29,474,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 220,779,000 | 224,979,000 | 232,720,000 | 223,967,000 |
| Interest-bearing deposits | 189,098,000 | 191,350,000 | 198,154,000 | 191,288,000 |
| Noninterest-bearing deposits | 31,681,000 | 33,629,000 | 34,566,000 | 32,679,000 |
| Equity capital | 23,651,000 | 23,849,000 | 24,452,000 | 24,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 2,799,000 | 5,668,000 | 8,631,000 | 11,613,000 |
| Interest expense | 674,000 | 1,386,000 | 2,098,000 | 2,775,000 |
| Net interest income | 2,125,000 | 4,282,000 | 6,533,000 | 8,838,000 |
| Noninterest income | 391,000 | 832,000 | 1,199,000 | 1,654,000 |
| Noninterest expense | 1,779,000 | 3,584,000 | 5,490,000 | 7,334,000 |
| Provision for loan losses | 219,000 | 399,000 | 459,000 | 654,000 |
| Pretax income | 518,000 | 1,131,000 | 1,783,000 | 2,504,000 |
| Income tax | 108,000 | 222,000 | 342,000 | 481,000 |
| Net income | 409,000 | 908,000 | 1,439,000 | 2,020,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,758,000 | 23,627,000 | 24,158,000 | 24,540,000 |
| Total capital | 26,206,000 | 26,211,000 | 26,534,000 | 27,002,000 |
| Risk-weighted assets | 227,677,000 | 231,387,000 | 237,635,000 | 227,524,000 |