Call reports 2009
FRANKLIN BANK & TRUST COMPANY — 2009
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 295,685,000 | 304,006,000 | 313,059,000 | 322,148,000 |
| Total loans | 267,707,000 | 278,531,000 | 292,975,000 | 298,332,000 |
| Allowance for loan losses | 2,931,000 | 3,028,000 | 3,324,000 | 4,018,000 |
| Securities available for sale | 12,485,000 | 11,917,000 | 8,335,000 | 7,857,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,096,000 | 246,518,000 | 261,886,000 | 256,257,000 |
| Interest-bearing deposits | 223,929,000 | 221,540,000 | 235,488,000 | 229,855,000 |
| Noninterest-bearing deposits | 27,167,000 | 24,978,000 | 26,398,000 | 26,402,000 |
| Equity capital | 24,410,000 | 24,612,000 | 26,964,000 | 27,376,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,311,000 | 8,592,000 | 13,115,000 | 17,729,000 |
| Interest expense | 1,544,000 | 2,944,000 | 4,350,000 | 5,709,000 |
| Net interest income | 2,767,000 | 5,648,000 | 8,765,000 | 12,020,000 |
| Noninterest income | 274,000 | 566,000 | 896,000 | 1,343,000 |
| Noninterest expense | 1,932,000 | 3,994,000 | 6,002,000 | 8,256,000 |
| Provision for loan losses | 361,000 | 682,000 | 1,097,000 | 2,200,000 |
| Pretax income | 792,000 | 1,583,000 | 2,724,000 | 3,070,000 |
| Income tax | 235,000 | 465,000 | 820,000 | 919,000 |
| Net income | 557,000 | 1,118,000 | 1,904,000 | 2,151,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,325,000 | 24,626,000 | 26,836,000 | 27,323,000 |
| Total capital | 27,268,000 | 27,666,000 | 30,095,000 | 30,706,000 |
| Risk-weighted assets | 243,373,000 | 247,770,000 | 260,608,000 | 270,031,000 |