Call reports 2020
FRANKLIN BANK & TRUST COMPANY — 2020
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 578,186,000 | 613,797,000 | 628,239,000 | 639,581,000 |
| Total loans | 470,494,000 | 520,790,000 | 545,716,000 | 524,454,000 |
| Allowance for loan losses | 5,682,000 | 6,482,000 | 6,682,000 | 7,012,000 |
| Securities available for sale | 4,080,000 | 3,279,000 | 3,068,000 | 3,057,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 453,966,000 | 493,695,000 | 477,482,000 | 518,809,000 |
| Interest-bearing deposits | 364,416,000 | 385,618,000 | 365,266,000 | 390,220,000 |
| Noninterest-bearing deposits | 89,550,000 | 108,077,000 | 112,216,000 | 128,589,000 |
| Equity capital | 68,893,000 | 70,253,000 | 71,214,000 | 73,652,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 6,321,000 | 13,324,000 | 19,301,000 | 26,330,000 |
| Interest expense | 1,541,000 | 2,863,000 | 4,070,000 | 5,127,000 |
| Net interest income | 4,780,000 | 10,461,000 | 15,231,000 | 21,203,000 |
| Noninterest income | 796,000 | 1,386,000 | 2,001,000 | 2,768,000 |
| Noninterest expense | 3,521,000 | 6,823,000 | 10,164,000 | 13,395,000 |
| Provision for loan losses | 675,000 | 1,540,000 | 1,982,000 | 2,279,000 |
| Pretax income | 1,409,000 | 3,513,000 | 5,115,000 | 8,326,000 |
| Income tax | 205,000 | 606,000 | 920,000 | 1,358,000 |
| Net income | 1,204,000 | 2,907,000 | 4,195,000 | 6,968,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 68,881,000 | 70,256,000 | 71,217,000 | 73,667,000 |