Call reports 2010
FRANKLIN BANK & TRUST COMPANY — 2010
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 320,779,000 | 333,364,000 | 344,119,000 | 347,192,000 |
| Total loans | 295,974,000 | 293,023,000 | 295,286,000 | 282,381,000 |
| Allowance for loan losses | 4,218,000 | 4,216,000 | 4,316,000 | 4,515,000 |
| Securities available for sale | 7,759,000 | 21,881,000 | 31,883,000 | 45,634,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 256,220,000 | 271,046,000 | 274,215,000 | 277,961,000 |
| Interest-bearing deposits | 234,381,000 | 249,712,000 | 251,389,000 | 254,929,000 |
| Noninterest-bearing deposits | 21,839,000 | 21,334,000 | 22,826,000 | 23,032,000 |
| Equity capital | 30,106,000 | 30,596,000 | 30,987,000 | 32,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,518,000 | 9,031,000 | 13,766,000 | 18,239,000 |
| Interest expense | 1,284,000 | 2,613,000 | 3,859,000 | 5,007,000 |
| Net interest income | 3,234,000 | 6,418,000 | 9,907,000 | 13,232,000 |
| Noninterest income | 366,000 | 765,000 | 1,166,000 | 1,739,000 |
| Noninterest expense | 1,990,000 | 3,900,000 | 6,232,000 | 8,743,000 |
| Provision for loan losses | 571,000 | 2,314,000 | 2,891,000 | 3,396,000 |
| Pretax income | 1,039,000 | 1,058,000 | 2,039,000 | 2,921,000 |
| Income tax | 328,000 | 306,000 | 619,000 | 896,000 |
| Net income | 711,000 | 752,000 | 1,420,000 | 2,025,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,034,000 | 30,545,000 | 30,913,000 | 32,087,000 |
| Total capital | 33,340,000 | 33,821,000 | 34,225,000 | 35,270,000 |
| Risk-weighted assets | 263,575,000 | 261,198,000 | 263,978,000 | 254,179,000 |
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