Call reports 2020
BANK OF FRANKLIN COUNTY — 2020
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 267,221,000 | 297,419,000 | 296,930,000 | 301,688,000 |
| Total loans | 203,376,000 | 218,256,000 | 220,971,000 | 197,342,000 |
| Allowance for loan losses | 2,570,000 | 2,935,000 | 2,976,000 | 2,713,000 |
| Securities available for sale | 34,873,000 | 35,172,000 | 40,236,000 | 48,620,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,980,000 | 257,977,000 | 259,136,000 | 265,397,000 |
| Interest-bearing deposits | 195,376,000 | 205,978,000 | 209,290,000 | 215,735,000 |
| Noninterest-bearing deposits | 34,604,000 | 51,999,000 | 49,846,000 | 49,662,000 |
| Equity capital | 24,696,000 | 26,288,000 | 26,542,000 | 26,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,829,000 | 6,643,000 | 9,403,000 | 12,029,000 |
| Interest expense | 637,000 | 1,216,000 | 1,771,000 | 2,270,000 |
| Net interest income | 2,192,000 | 5,427,000 | 7,632,000 | 9,759,000 |
| Noninterest income | 402,000 | 1,057,000 | 1,631,000 | 2,394,000 |
| Noninterest expense | 1,954,000 | 3,975,000 | 5,982,000 | 8,089,000 |
| Provision for loan losses | 110,000 | 1,020,000 | 1,185,000 | 1,185,000 |
| Pretax income | 530,000 | 1,489,000 | 2,096,000 | 2,879,000 |
| Income tax | 97,000 | 326,000 | 465,000 | 632,000 |
| Net income | 432,000 | 1,162,000 | 1,629,000 | 2,245,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,773,000 | 25,302,000 | 25,469,000 | 25,784,000 |