Call reports 2008
FRANKLIN BANK & TRUST COMPANY — 2008
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 263,784,000 | 265,049,000 | 277,967,000 | 285,753,000 |
| Total loans | 238,786,000 | 239,110,000 | 250,107,000 | 260,054,000 |
| Allowance for loan losses | 2,508,000 | 2,500,000 | 2,557,000 | 2,734,000 |
| Securities available for sale | 11,107,000 | 10,160,000 | 11,466,000 | 12,768,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,093,000 | 209,494,000 | 222,290,000 | 228,874,000 |
| Interest-bearing deposits | 181,721,000 | 185,468,000 | 197,704,000 | 202,508,000 |
| Noninterest-bearing deposits | 24,372,000 | 24,026,000 | 24,586,000 | 26,366,000 |
| Equity capital | 22,924,000 | 23,296,000 | 23,661,000 | 23,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 4,374,000 | 8,550,000 | 12,805,000 | 17,062,000 |
| Interest expense | 2,083,000 | 3,856,000 | 5,571,000 | 7,263,000 |
| Net interest income | 2,291,000 | 4,694,000 | 7,234,000 | 9,799,000 |
| Noninterest income | 295,000 | 698,000 | 1,039,000 | 1,355,000 |
| Noninterest expense | 1,849,000 | 3,658,000 | 5,510,000 | 7,468,000 |
| Provision for loan losses | 0 | -4,000 | 58,000 | 329,000 |
| Pretax income | 737,000 | 1,741,000 | 2,708,000 | 3,360,000 |
| Income tax | 243,000 | 521,000 | 816,000 | 1,016,000 |
| Net income | 494,000 | 1,220,000 | 1,892,000 | 2,344,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,928,000 | 23,404,000 | 23,826,000 | 24,028,000 |
| Total capital | 25,445,000 | 25,914,000 | 26,393,000 | 26,772,000 |
| Risk-weighted assets | 222,505,000 | 221,628,000 | 220,508,000 | 234,482,000 |