Call reports 2016
FRANKLIN BANK & TRUST COMPANY — 2016
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 429,377,000 | 443,454,000 | 449,612,000 | 458,322,000 |
| Total loans | 356,182,000 | 368,535,000 | 377,177,000 | 381,180,000 |
| Allowance for loan losses | 4,702,000 | 4,803,000 | 4,903,000 | 5,006,000 |
| Securities available for sale | 12,956,000 | 11,342,000 | 11,153,000 | 10,800,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 356,816,000 | 346,796,000 | 356,421,000 | 364,997,000 |
| Interest-bearing deposits | 294,723,000 | 286,180,000 | 291,631,000 | 295,125,000 |
| Noninterest-bearing deposits | 62,093,000 | 60,616,000 | 64,790,000 | 69,872,000 |
| Equity capital | 46,376,000 | 48,052,000 | 48,422,000 | 49,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,289,000 | 8,705,000 | 13,173,000 | 17,767,000 |
| Interest expense | 631,000 | 1,270,000 | 1,965,000 | 2,667,000 |
| Net interest income | 3,658,000 | 7,435,000 | 11,208,000 | 15,100,000 |
| Noninterest income | 753,000 | 1,546,000 | 2,418,000 | 3,262,000 |
| Noninterest expense | 2,860,000 | 5,663,000 | 8,450,000 | 11,213,000 |
| Provision for loan losses | 422,000 | 1,487,000 | 1,689,000 | 1,913,000 |
| Pretax income | 1,129,000 | 1,954,000 | 3,610,000 | 5,359,000 |
| Income tax | 335,000 | 578,000 | 1,089,000 | 1,631,000 |
| Net income | 794,000 | 1,376,000 | 2,521,000 | 3,728,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 46,244,000 | 47,931,000 | 48,341,000 | 49,439,000 |
| Total capital | 50,657,000 | 52,472,000 | 52,987,000 | 54,092,000 |
| Risk-weighted assets | 352,688,000 | 362,999,000 | 371,404,000 | 371,846,000 |