Call reports 2006
FRANKLIN BANK & TRUST COMPANY — 2006
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 214,440,000 | 210,576,000 | 218,828,000 | 225,685,000 |
| Total loans | 188,283,000 | 186,266,000 | 197,479,000 | 199,720,000 |
| Allowance for loan losses | 2,700,000 | 2,700,000 | 2,700,000 | 2,700,000 |
| Securities available for sale | 9,257,000 | 9,205,000 | 9,170,000 | 11,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 172,986,000 | 170,296,000 | 179,070,000 | 184,718,000 |
| Interest-bearing deposits | 148,097,000 | 144,239,000 | 153,958,000 | 160,465,000 |
| Noninterest-bearing deposits | 24,889,000 | 26,057,000 | 25,112,000 | 24,253,000 |
| Equity capital | 20,810,000 | 21,179,000 | 21,238,000 | 21,576,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 3,555,000 | 7,206,000 | 11,034,000 | 15,051,000 |
| Interest expense | 1,366,000 | 2,854,000 | 4,494,000 | 6,298,000 |
| Net interest income | 2,189,000 | 4,352,000 | 6,540,000 | 8,753,000 |
| Noninterest income | 276,000 | 527,000 | 798,000 | 1,058,000 |
| Noninterest expense | 1,444,000 | 2,910,000 | 4,525,000 | 6,116,000 |
| Provision for loan losses | 97,000 | 156,000 | 163,000 | 196,000 |
| Pretax income | 924,000 | 1,813,000 | 2,650,000 | 3,499,000 |
| Income tax | 341,000 | 562,000 | 826,000 | 1,100,000 |
| Net income | 583,000 | 1,251,000 | 1,824,000 | 2,399,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,913,000 | 21,329,000 | 21,293,000 | 21,616,000 |
| Total capital | 23,111,000 | 23,490,000 | 23,559,000 | 23,918,000 |
| Risk-weighted assets | 175,318,000 | 172,341,000 | 180,862,000 | 183,789,000 |