Call reports 2011
FRANKLIN BANK & TRUST COMPANY — 2011
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 345,201,000 | 344,986,000 | 355,656,000 | 362,668,000 |
| Total loans | 279,945,000 | 276,565,000 | 277,456,000 | 277,864,000 |
| Allowance for loan losses | 4,516,000 | 4,514,000 | 4,517,000 | 4,519,000 |
| Securities available for sale | 47,184,000 | 21,114,000 | 19,323,000 | 24,865,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 270,872,000 | 275,963,000 | 279,947,000 | 290,220,000 |
| Interest-bearing deposits | 247,291,000 | 251,981,000 | 253,510,000 | 256,897,000 |
| Noninterest-bearing deposits | 23,581,000 | 23,982,000 | 26,437,000 | 33,323,000 |
| Equity capital | 32,624,000 | 33,468,000 | 36,474,000 | 37,684,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,313,000 | 8,854,000 | 13,350,000 | 18,179,000 |
| Interest expense | 1,030,000 | 1,981,000 | 2,901,000 | 3,799,000 |
| Net interest income | 3,283,000 | 6,873,000 | 10,449,000 | 14,380,000 |
| Noninterest income | 358,000 | 681,000 | 1,017,000 | 1,333,000 |
| Noninterest expense | 2,260,000 | 4,490,000 | 6,758,000 | 9,088,000 |
| Provision for loan losses | 124,000 | 336,000 | 688,000 | 1,184,000 |
| Pretax income | 1,257,000 | 2,804,000 | 4,096,000 | 5,517,000 |
| Income tax | 403,000 | 897,000 | 1,293,000 | 1,716,000 |
| Net income | 854,000 | 1,907,000 | 2,803,000 | 3,801,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,661,000 | 33,433,000 | 36,329,000 | 37,327,000 |
| Total capital | 35,783,000 | 36,515,000 | 39,400,000 | 40,537,000 |
| Risk-weighted assets | 248,387,000 | 245,128,000 | 244,267,000 | 255,515,000 |