Call reports 2024
BANK OF FRANKLIN COUNTY — 2024
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 405,591,000 | 417,148,000 | 424,018,000 | 424,068,000 |
| Total loans | 327,682,000 | 339,809,000 | 347,458,000 | 339,144,000 |
| Allowance for loan losses | 3,547,000 | 3,508,000 | 3,670,000 | 3,708,000 |
| Securities available for sale | 45,892,000 | 45,422,000 | 42,482,000 | 40,542,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 336,234,000 | 346,758,000 | 351,162,000 | 352,055,000 |
| Interest-bearing deposits | 279,312,000 | 289,464,000 | 293,444,000 | 293,561,000 |
| Noninterest-bearing deposits | 56,922,000 | 57,294,000 | 57,718,000 | 58,494,000 |
| Equity capital | 31,619,000 | 31,733,000 | 33,174,000 | 32,924,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 5,084,000 | 10,399,000 | 16,157,000 | 21,960,000 |
| Interest expense | 2,430,000 | 5,081,000 | 7,881,000 | 10,548,000 |
| Net interest income | 2,654,000 | 5,318,000 | 8,276,000 | 11,412,000 |
| Noninterest income | 428,000 | 853,000 | 1,411,000 | 1,929,000 |
| Noninterest expense | 2,669,000 | 5,337,000 | 8,143,000 | 10,699,000 |
| Provision for loan losses | 60,000 | 134,000 | 280,000 | 419,000 |
| Pretax income | 373,000 | 719,000 | 1,243,000 | 2,180,000 |
| Income tax | 64,000 | 134,000 | 237,000 | 440,000 |
| Net income | 309,000 | 584,000 | 1,004,000 | 1,737,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,523,000 | 36,498,000 | 36,618,000 | 37,351,000 |
| Total capital | — | — | 40,343,000 | 41,136,000 |
| Risk-weighted assets | — | — | 369,259,000 | 367,755,000 |