Call reports 2025
BANK OF FRANKLIN COUNTY — 2025
What BANK OF FRANKLIN COUNTY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 422,500,000 | 419,338,000 | 417,158,000 | 408,740,000 |
| Total loans | 337,665,000 | 339,129,000 | 345,427,000 | 335,539,000 |
| Allowance for loan losses | 3,841,000 | 3,968,000 | 4,057,000 | 4,096,000 |
| Securities available for sale | 40,499,000 | 39,874,000 | 39,602,000 | 39,895,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,923,000 | 348,365,000 | 345,187,000 | 341,661,000 |
| Interest-bearing deposits | 295,586,000 | 290,453,000 | 286,159,000 | 283,564,000 |
| Noninterest-bearing deposits | 56,337,000 | 57,912,000 | 59,028,000 | 58,097,000 |
| Equity capital | 33,865,000 | 34,371,000 | 36,007,000 | 36,531,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 5,769,000 | 11,633,000 | 17,503,000 | 23,289,000 |
| Interest expense | 2,456,000 | 4,808,000 | 7,097,000 | 9,268,000 |
| Net interest income | 3,313,000 | 6,825,000 | 10,406,000 | 14,021,000 |
| Noninterest income | 399,000 | 772,000 | 1,253,000 | 1,639,000 |
| Noninterest expense | 3,012,000 | 5,921,000 | 8,873,000 | 11,827,000 |
| Provision for loan losses | 133,000 | 224,000 | 314,000 | 352,000 |
| Pretax income | 565,000 | 1,444,000 | 2,446,000 | 3,438,000 |
| Income tax | 113,000 | 299,000 | 506,000 | 709,000 |
| Net income | 451,000 | 1,144,000 | 1,938,000 | 2,727,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,802,000 | 38,095,000 | 38,889,000 | 39,278,000 |
| Total capital | 41,722,000 | 42,148,000 | — | 43,477,000 |
| Risk-weighted assets | 366,537,000 | 370,310,000 | — | 375,445,000 |