Call reports 2021
BANK OF FRANKLIN COUNTY — 2021
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 313,835,000 | 322,254,000 | 326,244,000 | 324,655,000 |
| Total loans | 211,785,000 | 224,262,000 | 230,148,000 | 228,037,000 |
| Allowance for loan losses | 2,744,000 | 2,849,000 | 2,920,000 | 3,088,000 |
| Securities available for sale | 50,448,000 | 60,321,000 | 62,974,000 | 60,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 285,508,000 | 290,908,000 | 294,001,000 | 293,396,000 |
| Interest-bearing deposits | 224,882,000 | 230,436,000 | 229,162,000 | 232,765,000 |
| Noninterest-bearing deposits | 60,626,000 | 60,472,000 | 64,839,000 | 60,631,000 |
| Equity capital | 26,462,000 | 29,153,000 | 29,849,000 | 29,581,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 2,873,000 | 5,888,000 | 8,977,000 | 12,059,000 |
| Interest expense | 428,000 | 817,000 | 1,159,000 | 1,465,000 |
| Net interest income | 2,445,000 | 5,071,000 | 7,818,000 | 10,594,000 |
| Noninterest income | 537,000 | 1,018,000 | 1,662,000 | 1,971,000 |
| Noninterest expense | 2,188,000 | 4,240,000 | 6,467,000 | 8,703,000 |
| Provision for loan losses | 60,000 | 165,000 | 225,000 | 385,000 |
| Pretax income | 860,000 | 1,810,000 | 2,914,000 | 3,626,000 |
| Income tax | 178,000 | 381,000 | 612,000 | 728,000 |
| Net income | 682,000 | 1,428,000 | 2,300,000 | 2,896,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,166,000 | 28,613,000 | 29,185,000 | 29,480,000 |