Call reports 2022
BANK OF FRANKLIN COUNTY — 2022
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 332,272,000 | 327,489,000 | 334,038,000 | 370,781,000 |
| Total loans | 230,923,000 | 239,093,000 | 254,959,000 | 287,650,000 |
| Allowance for loan losses | 3,133,000 | 3,175,000 | 3,216,000 | 3,269,000 |
| Securities available for sale | 57,344,000 | 52,328,000 | 49,714,000 | 49,222,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 303,356,000 | 301,207,000 | 304,210,000 | 297,733,000 |
| Interest-bearing deposits | 239,325,000 | 233,486,000 | 237,412,000 | 237,272,000 |
| Noninterest-bearing deposits | 64,031,000 | 67,721,000 | 66,798,000 | 60,461,000 |
| Equity capital | 27,241,000 | 24,733,000 | 24,543,000 | 25,420,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 2,753,000 | 5,546,000 | 8,756,000 | 12,253,000 |
| Interest expense | 290,000 | 549,000 | 870,000 | 1,679,000 |
| Net interest income | 2,463,000 | 4,997,000 | 7,886,000 | 10,574,000 |
| Noninterest income | 566,000 | 988,000 | 1,360,000 | 1,717,000 |
| Noninterest expense | 2,224,000 | 4,428,000 | 6,825,000 | 9,239,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 941,000 | 1,647,000 | 2,460,000 | 3,045,000 |
| Income tax | 199,000 | 337,000 | 503,000 | 616,000 |
| Net income | 741,000 | 1,309,000 | 1,955,000 | 2,426,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,821,000 | 29,989,000 | 30,235,000 | 30,707,000 |