Call reports 2021
FRANKLIN BANK & TRUST COMPANY — 2021
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 663,395,000 | 687,525,000 | 707,863,000 | 707,754,000 |
| Total loans | 544,203,000 | 544,260,000 | 535,235,000 | 535,528,000 |
| Allowance for loan losses | 6,536,000 | 6,536,000 | 6,536,000 | 6,837,000 |
| Securities available for sale | 2,263,000 | 2,133,000 | 1,943,000 | 1,759,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 542,108,000 | 565,623,000 | 584,007,000 | 584,795,000 |
| Interest-bearing deposits | 394,245,000 | 414,518,000 | 414,726,000 | 419,692,000 |
| Noninterest-bearing deposits | 147,863,000 | 151,105,000 | 169,281,000 | 165,103,000 |
| Equity capital | 75,134,000 | 76,987,000 | 78,154,000 | 79,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 5,922,000 | 12,142,000 | 18,414,000 | 24,876,000 |
| Interest expense | 864,000 | 1,746,000 | 2,557,000 | 3,320,000 |
| Net interest income | 5,058,000 | 10,396,000 | 15,857,000 | 21,556,000 |
| Noninterest income | 704,000 | 1,567,000 | 2,786,000 | 3,771,000 |
| Noninterest expense | 3,322,000 | 6,552,000 | 9,778,000 | 13,212,000 |
| Provision for loan losses | 27,000 | 43,000 | 40,000 | 291,000 |
| Pretax income | 2,413,000 | 5,368,000 | 8,825,000 | 11,824,000 |
| Income tax | 565,000 | 1,250,000 | 1,976,000 | 2,669,000 |
| Net income | 1,848,000 | 4,118,000 | 6,849,000 | 9,155,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,094,000 | 76,954,000 | 78,127,000 | 79,258,000 |