Call reports 2007
FRANKLIN BANK & TRUST COMPANY — 2007
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 232,936,000 | 239,595,000 | 255,187,000 | 260,695,000 |
| Total loans | 203,411,000 | 215,518,000 | 221,156,000 | 230,608,000 |
| Allowance for loan losses | 2,700,000 | 2,700,000 | 2,615,000 | 2,500,000 |
| Securities available for sale | 12,666,000 | 11,855,000 | 12,398,000 | 11,260,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 191,577,000 | 194,384,000 | 209,014,000 | 214,580,000 |
| Interest-bearing deposits | 167,396,000 | 170,028,000 | 185,007,000 | 189,823,000 |
| Noninterest-bearing deposits | 24,181,000 | 24,356,000 | 24,007,000 | 24,757,000 |
| Equity capital | 21,876,000 | 22,001,000 | 22,430,000 | 22,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 4,099,000 | 8,354,000 | 12,731,000 | 17,277,000 |
| Interest expense | 1,867,000 | 3,877,000 | 6,069,000 | 8,360,000 |
| Net interest income | 2,232,000 | 4,477,000 | 6,662,000 | 8,917,000 |
| Noninterest income | 245,000 | 498,000 | 723,000 | 1,026,000 |
| Noninterest expense | 1,739,000 | 3,539,000 | 5,284,000 | 6,982,000 |
| Provision for loan losses | -40,000 | -22,000 | -22,000 | 330,000 |
| Pretax income | 778,000 | 1,458,000 | 2,123,000 | 2,631,000 |
| Income tax | 227,000 | 429,000 | 529,000 | 613,000 |
| Net income | 551,000 | 1,029,000 | 1,594,000 | 2,018,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,907,000 | 22,155,000 | 22,490,000 | 22,684,000 |
| Total capital | 24,275,000 | 24,626,000 | 25,072,000 | 25,195,000 |
| Risk-weighted assets | 189,090,000 | 197,475,000 | 206,322,000 | 215,073,000 |
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