Call reports 2002
FRANKLIN BANK & TRUST COMPANY — 2002
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 186,312,000 | 184,298,000 | 186,694,000 | 191,744,000 |
| Total loans | 163,619,000 | 165,461,000 | 168,050,000 | 169,974,000 |
| Allowance for loan losses | 3,030,000 | 1,890,000 | 1,990,000 | 2,360,000 |
| Securities available for sale | 6,233,000 | 7,621,000 | 7,057,000 | 8,545,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 152,506,000 | 148,479,000 | 149,737,000 | 155,012,000 |
| Interest-bearing deposits | 135,710,000 | 133,309,000 | 133,270,000 | 136,190,000 |
| Noninterest-bearing deposits | 16,796,000 | 15,170,000 | 16,467,000 | 18,822,000 |
| Equity capital | 17,346,000 | 17,604,000 | 18,142,000 | 18,181,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 3,204,000 | 6,266,000 | 9,425,000 | 12,511,000 |
| Interest expense | 1,503,000 | 2,905,000 | 4,273,000 | 5,578,000 |
| Net interest income | 1,701,000 | 3,361,000 | 5,152,000 | 6,933,000 |
| Noninterest income | 226,000 | 473,000 | 726,000 | 990,000 |
| Noninterest expense | 1,208,000 | 2,426,000 | 3,614,000 | 4,735,000 |
| Provision for loan losses | 146,000 | 337,000 | 492,000 | 997,000 |
| Pretax income | 573,000 | 1,071,000 | 1,782,000 | 2,201,000 |
| Income tax | 174,000 | 317,000 | 530,000 | 653,000 |
| Net income | 399,000 | 754,000 | 1,252,000 | 1,548,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,370,000 | 17,525,000 | 17,941,000 | 18,036,000 |
| Total capital | 19,304,000 | 19,415,000 | 19,903,000 | 20,041,000 |
| Risk-weighted assets | 153,595,000 | 155,551,000 | 156,954,000 | 160,029,000 |
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