Call reports 2023
BANK OF FRANKLIN COUNTY — 2023
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 380,476,000 | 386,342,000 | 390,952,000 | 392,373,000 |
| Total loans | 295,275,000 | 296,176,000 | 306,424,000 | 311,173,000 |
| Allowance for loan losses | 3,243,000 | 3,284,000 | 3,324,000 | 3,508,000 |
| Securities available for sale | 48,865,000 | 47,675,000 | 45,519,000 | 46,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 314,647,000 | 323,458,000 | 327,851,000 | 326,941,000 |
| Interest-bearing deposits | 252,987,000 | 262,278,000 | 266,159,000 | 266,053,000 |
| Noninterest-bearing deposits | 61,660,000 | 61,180,000 | 61,692,000 | 60,888,000 |
| Equity capital | 29,238,000 | 29,354,000 | 28,822,000 | 31,505,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 3,951,000 | 8,166,000 | 12,662,000 | 17,380,000 |
| Interest expense | 1,457,000 | 3,174,000 | 5,119,000 | 7,172,000 |
| Net interest income | 2,494,000 | 4,992,000 | 7,543,000 | 10,208,000 |
| Noninterest income | 456,000 | 873,000 | 1,278,000 | 1,733,000 |
| Noninterest expense | 2,473,000 | 4,924,000 | 7,447,000 | 9,737,000 |
| Provision for loan losses | 45,000 | 86,000 | 131,000 | 336,000 |
| Pretax income | 432,000 | 851,000 | 1,241,000 | 1,848,000 |
| Income tax | 77,000 | 151,000 | 217,000 | 338,000 |
| Net income | 355,000 | 699,000 | 1,022,000 | 1,507,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,262,000 | 34,605,000 | 34,929,000 | 36,214,000 |