Call reports 2004
FRANKLIN BANK & TRUST COMPANY — 2004
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 202,396,000 | 201,767,000 | 200,525,000 | 203,390,000 |
| Total loans | 174,851,000 | 177,718,000 | 180,886,000 | 183,622,000 |
| Allowance for loan losses | 2,660,000 | 2,670,000 | 2,670,000 | 2,670,000 |
| Securities available for sale | 6,278,000 | 6,634,000 | 5,760,000 | 7,596,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,102,000 | 165,702,000 | 166,482,000 | 169,546,000 |
| Interest-bearing deposits | 146,983,000 | 144,001,000 | 147,145,000 | 148,554,000 |
| Noninterest-bearing deposits | 20,119,000 | 21,701,000 | 19,337,000 | 20,992,000 |
| Equity capital | 18,458,000 | 18,545,000 | 18,915,000 | 19,130,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,696,000 | 5,414,000 | 8,259,000 | 11,252,000 |
| Interest expense | 1,006,000 | 1,983,000 | 2,959,000 | 3,962,000 |
| Net interest income | 1,690,000 | 3,431,000 | 5,300,000 | 7,290,000 |
| Noninterest income | 256,000 | 481,000 | 725,000 | 958,000 |
| Noninterest expense | 1,270,000 | 2,562,000 | 3,829,000 | 5,116,000 |
| Provision for loan losses | 164,000 | 250,000 | 377,000 | 623,000 |
| Pretax income | 512,000 | 1,100,000 | 1,819,000 | 2,511,000 |
| Income tax | 159,000 | 342,000 | 569,000 | 786,000 |
| Net income | 353,000 | 758,000 | 1,250,000 | 1,725,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,431,000 | 18,615,000 | 18,885,000 | 19,139,000 |
| Total capital | 20,516,000 | 20,721,000 | 21,020,000 | 21,295,000 |
| Risk-weighted assets | 166,237,000 | 167,929,000 | 170,306,000 | 172,009,000 |
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