Call reports 2013
FRANKLIN BANK & TRUST COMPANY — 2013
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 358,166,000 | 355,720,000 | 363,060,000 | 361,837,000 |
| Total loans | 273,699,000 | 286,881,000 | 275,766,000 | 285,308,000 |
| Allowance for loan losses | 5,005,000 | 5,004,000 | 5,003,000 | 5,005,000 |
| Securities available for sale | 23,678,000 | 20,024,000 | 20,176,000 | 15,003,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,588,000 | 291,082,000 | 299,698,000 | 301,124,000 |
| Interest-bearing deposits | 253,737,000 | 252,820,000 | 257,063,000 | 255,739,000 |
| Noninterest-bearing deposits | 35,851,000 | 38,262,000 | 42,635,000 | 45,385,000 |
| Equity capital | 41,003,000 | 40,752,000 | 40,718,000 | 41,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,086,000 | 8,204,000 | 12,202,000 | 16,149,000 |
| Interest expense | 632,000 | 1,279,000 | 1,931,000 | 2,549,000 |
| Net interest income | 3,454,000 | 6,925,000 | 10,271,000 | 13,600,000 |
| Noninterest income | 745,000 | 1,593,000 | 2,322,000 | 2,887,000 |
| Noninterest expense | 2,805,000 | 6,187,000 | 8,833,000 | 11,470,000 |
| Provision for loan losses | 100,000 | 326,000 | 1,255,000 | 1,340,000 |
| Pretax income | 1,457,000 | 2,206,000 | 2,706,000 | 3,876,000 |
| Income tax | 448,000 | 648,000 | 804,000 | 1,159,000 |
| Net income | 1,009,000 | 1,558,000 | 1,902,000 | 2,717,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 40,782,000 | 40,931,000 | 40,870,000 | 41,314,000 |
| Total capital | 44,071,000 | 44,321,000 | 44,126,000 | 44,724,000 |
| Risk-weighted assets | 261,427,000 | 269,604,000 | 258,772,000 | 271,219,000 |