Call reports 2018
FRANKLIN BANK & TRUST COMPANY — 2018
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 476,125,000 | 500,550,000 | 513,927,000 | 514,936,000 |
| Total loans | 405,703,000 | 422,521,000 | 432,327,000 | 434,233,000 |
| Allowance for loan losses | 4,806,000 | 5,108,000 | 5,409,000 | 5,712,000 |
| Securities available for sale | 6,915,000 | 6,787,000 | 6,714,000 | 6,461,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,676,000 | 385,157,000 | 391,287,000 | 388,319,000 |
| Interest-bearing deposits | 295,767,000 | 302,825,000 | 301,265,000 | 299,490,000 |
| Noninterest-bearing deposits | 79,909,000 | 82,332,000 | 90,022,000 | 88,829,000 |
| Equity capital | 54,761,000 | 55,802,000 | 57,329,000 | 61,595,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 4,923,000 | 10,198,000 | 15,753,000 | 21,613,000 |
| Interest expense | 822,000 | 1,768,000 | 2,940,000 | 4,332,000 |
| Net interest income | 4,101,000 | 8,430,000 | 12,813,000 | 17,281,000 |
| Noninterest income | 883,000 | 1,823,000 | 2,766,000 | 3,807,000 |
| Noninterest expense | 3,048,000 | 6,090,000 | 9,142,000 | 12,090,000 |
| Provision for loan losses | 324,000 | 694,000 | 1,030,000 | 1,383,000 |
| Pretax income | 1,612,000 | 3,469,000 | 5,407,000 | 7,615,000 |
| Income tax | 316,000 | 690,000 | 1,078,000 | 1,520,000 |
| Net income | 1,296,000 | 2,779,000 | 4,329,000 | 6,095,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,838,000 | 55,870,000 | 57,420,000 | 61,653,000 |
| Total capital | 59,644,000 | 60,978,000 | 62,829,000 | 67,112,000 |
| Risk-weighted assets | 409,817,000 | 424,872,000 | 432,888,000 | 436,429,000 |