Call reports 2005
FRANKLIN BANK & TRUST COMPANY — 2005
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 210,847,000 | 216,659,000 | 212,351,000 | 210,002,000 |
| Total loans | 185,876,000 | 196,070,000 | 190,703,000 | 185,924,000 |
| Allowance for loan losses | 2,700,000 | 2,700,000 | 2,700,000 | 2,700,000 |
| Securities available for sale | 9,221,000 | 8,313,000 | 7,094,000 | 8,104,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 171,709,000 | 174,826,000 | 172,511,000 | 170,307,000 |
| Interest-bearing deposits | 148,146,000 | 150,290,000 | 149,318,000 | 146,761,000 |
| Noninterest-bearing deposits | 23,563,000 | 24,536,000 | 23,193,000 | 23,546,000 |
| Equity capital | 19,425,000 | 19,927,000 | 20,263,000 | 20,500,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 3,091,000 | 6,401,000 | 9,896,000 | 13,445,000 |
| Interest expense | 1,102,000 | 2,277,000 | 3,565,000 | 4,899,000 |
| Net interest income | 1,989,000 | 4,124,000 | 6,331,000 | 8,546,000 |
| Noninterest income | 270,000 | 489,000 | 706,000 | 951,000 |
| Noninterest expense | 1,351,000 | 2,681,000 | 4,039,000 | 5,394,000 |
| Provision for loan losses | 69,000 | 113,000 | 267,000 | 479,000 |
| Pretax income | 839,000 | 1,819,000 | 2,731,000 | 3,624,000 |
| Income tax | 267,000 | 580,000 | 870,000 | 1,155,000 |
| Net income | 572,000 | 1,239,000 | 1,861,000 | 2,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,480,000 | 19,915,000 | 20,305,000 | 20,582,000 |
| Total capital | 21,666,000 | 22,199,000 | 22,521,000 | 22,744,000 |
| Risk-weighted assets | 174,368,000 | 182,270,000 | 176,833,000 | 172,386,000 |