Call reports 2019
FRANKLIN BANK & TRUST COMPANY — 2019
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 536,127,000 | 525,034,000 | 542,569,000 | 551,535,000 |
| Total loans | 432,912,000 | 442,962,000 | 470,816,000 | 462,834,000 |
| Allowance for loan losses | 4,602,000 | 4,634,000 | 4,883,000 | 4,882,000 |
| Securities available for sale | 6,166,000 | 6,063,000 | 4,481,000 | 5,469,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 419,113,000 | 413,102,000 | 414,034,000 | 441,679,000 |
| Interest-bearing deposits | 323,036,000 | 323,781,000 | 319,006,000 | 345,345,000 |
| Noninterest-bearing deposits | 96,077,000 | 89,321,000 | 95,028,000 | 96,334,000 |
| Equity capital | 63,017,000 | 64,514,000 | 66,099,000 | 68,041,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,896,000 | 12,000,000 | 18,577,000 | 25,867,000 |
| Interest expense | 1,608,000 | 3,314,000 | 5,026,000 | 6,653,000 |
| Net interest income | 4,288,000 | 8,686,000 | 13,551,000 | 19,214,000 |
| Noninterest income | 991,000 | 2,010,000 | 3,103,000 | 4,236,000 |
| Noninterest expense | 3,174,000 | 6,342,000 | 9,493,000 | 12,683,000 |
| Provision for loan losses | 128,000 | 285,000 | 866,000 | 1,672,000 |
| Pretax income | 1,977,000 | 4,069,000 | 6,295,000 | 9,095,000 |
| Income tax | 394,000 | 811,000 | 1,257,000 | 1,823,000 |
| Net income | 1,583,000 | 3,258,000 | 5,038,000 | 7,272,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 63,036,000 | 64,512,000 | 66,081,000 | 68,005,000 |
| Total capital | 67,638,000 | 69,146,000 | 70,964,000 | 72,887,000 |
| Risk-weighted assets | 432,861,000 | 444,220,000 | 457,978,000 | 464,350,000 |