Call reports 2015
FRANKLIN BANK & TRUST COMPANY — 2015
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 393,760,000 | 404,790,000 | 410,270,000 | 417,333,000 |
| Total loans | 329,760,000 | 340,409,000 | 344,719,000 | 348,740,000 |
| Allowance for loan losses | 5,041,000 | 5,052,000 | 4,602,000 | 4,601,000 |
| Securities available for sale | 13,352,000 | 13,809,000 | 14,425,000 | 12,581,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 330,229,000 | 335,773,000 | 343,108,000 | 346,594,000 |
| Interest-bearing deposits | 282,122,000 | 289,071,000 | 289,560,000 | 292,757,000 |
| Noninterest-bearing deposits | 48,107,000 | 46,702,000 | 53,548,000 | 53,837,000 |
| Equity capital | 43,509,000 | 43,846,000 | 44,287,000 | 46,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,021,000 | 8,217,000 | 12,487,000 | 17,151,000 |
| Interest expense | 544,000 | 1,112,000 | 1,730,000 | 2,358,000 |
| Net interest income | 3,477,000 | 7,105,000 | 10,757,000 | 14,793,000 |
| Noninterest income | 702,000 | 1,424,000 | 2,213,000 | 2,936,000 |
| Noninterest expense | 2,639,000 | 5,335,000 | 8,138,000 | 10,938,000 |
| Provision for loan losses | 118,000 | 267,000 | 910,000 | 1,564,000 |
| Pretax income | 1,434,000 | 2,939,000 | 3,934,000 | 5,322,000 |
| Income tax | 432,000 | 904,000 | 1,183,000 | 1,608,000 |
| Net income | 1,002,000 | 2,035,000 | 2,751,000 | 3,714,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,381,000 | 43,847,000 | 44,161,000 | 46,049,000 |
| Total capital | 47,306,000 | 47,996,000 | 48,435,000 | 50,380,000 |
| Risk-weighted assets | 312,859,000 | 330,981,000 | 341,590,000 | 346,215,000 |