Call reports 2003
FRANKLIN BANK & TRUST COMPANY — 2003
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 199,979,000 | 199,270,000 | 203,600,000 | 202,361,000 |
| Total loans | 172,680,000 | 174,217,000 | 178,066,000 | 176,287,000 |
| Allowance for loan losses | 2,435,000 | 2,510,000 | 2,585,000 | 2,650,000 |
| Securities available for sale | 8,767,000 | 4,441,000 | 3,363,000 | 8,780,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 159,574,000 | 163,488,000 | 162,026,000 | 166,561,000 |
| Interest-bearing deposits | 139,590,000 | 141,598,000 | 142,074,000 | 146,602,000 |
| Noninterest-bearing deposits | 19,984,000 | 21,890,000 | 19,952,000 | 19,959,000 |
| Equity capital | 18,475,000 | 18,080,000 | 18,251,000 | 18,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 2,997,000 | 5,927,000 | 8,752,000 | 11,545,000 |
| Interest expense | 1,214,000 | 2,398,000 | 3,528,000 | 4,591,000 |
| Net interest income | 1,783,000 | 3,529,000 | 5,224,000 | 6,954,000 |
| Noninterest income | 266,000 | 518,000 | 797,000 | 1,048,000 |
| Noninterest expense | 1,199,000 | 2,343,000 | 3,478,000 | 4,760,000 |
| Provision for loan losses | 110,000 | 1,512,000 | 1,752,000 | 2,058,000 |
| Pretax income | 740,000 | 575,000 | 1,174,000 | 1,567,000 |
| Income tax | 224,000 | 146,000 | 335,000 | 458,000 |
| Net income | 516,000 | 429,000 | 839,000 | 1,109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,341,000 | 18,042,000 | 18,241,000 | 18,300,000 |
| Total capital | 20,401,000 | 20,114,000 | 20,369,000 | 20,399,000 |
| Risk-weighted assets | 164,224,000 | 165,356,000 | 169,803,000 | 167,409,000 |