Call reports 2012
FRANKLIN BANK & TRUST COMPANY — 2012
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 370,489,000 | 357,431,000 | 350,626,000 | 346,466,000 |
| Total loans | 278,054,000 | 273,410,000 | 272,291,000 | 273,049,000 |
| Allowance for loan losses | 4,543,000 | 4,615,000 | 4,861,000 | 5,007,000 |
| Securities available for sale | 33,427,000 | 31,245,000 | 22,441,000 | 21,439,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 294,379,000 | 277,643,000 | 272,613,000 | 269,792,000 |
| Interest-bearing deposits | 262,182,000 | 245,659,000 | 235,947,000 | 231,850,000 |
| Noninterest-bearing deposits | 32,197,000 | 31,984,000 | 36,666,000 | 37,942,000 |
| Equity capital | 38,733,000 | 39,912,000 | 40,421,000 | 40,555,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,434,000 | 8,830,000 | 13,043,000 | 17,235,000 |
| Interest expense | 853,000 | 1,630,000 | 2,321,000 | 2,969,000 |
| Net interest income | 3,581,000 | 7,200,000 | 10,722,000 | 14,266,000 |
| Noninterest income | 534,000 | 984,000 | 1,652,000 | 2,267,000 |
| Noninterest expense | 2,325,000 | 4,698,000 | 6,976,000 | 9,727,000 |
| Provision for loan losses | 235,000 | 521,000 | 1,357,000 | 1,654,000 |
| Pretax income | 1,704,000 | 3,200,000 | 4,528,000 | 5,639,000 |
| Income tax | 508,000 | 958,000 | 1,360,000 | 1,668,000 |
| Net income | 1,196,000 | 2,242,000 | 3,168,000 | 3,971,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,523,000 | 39,470,000 | 39,991,000 | 40,174,000 |
| Total capital | 41,798,000 | 42,677,000 | 43,238,000 | 43,458,000 |
| Risk-weighted assets | 260,751,000 | 255,239,000 | 258,111,000 | 260,968,000 |