Call reports 2023
FRANKLIN BANK & TRUST COMPANY — 2023
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 715,277,000 | 734,488,000 | 773,498,000 | 766,574,000 |
| Total loans | 616,628,000 | 632,209,000 | 644,550,000 | 664,065,000 |
| Allowance for loan losses | 6,111,000 | 6,412,000 | 5,848,000 | 6,418,000 |
| Securities available for sale | 5,348,000 | 5,341,000 | 5,373,000 | 390,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 584,270,000 | 599,259,000 | 646,673,000 | 631,679,000 |
| Interest-bearing deposits | 400,957,000 | 414,307,000 | 458,345,000 | 446,626,000 |
| Noninterest-bearing deposits | 183,313,000 | 184,952,000 | 188,328,000 | 185,053,000 |
| Equity capital | 85,245,000 | 86,517,000 | 85,152,000 | 86,885,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 8,490,000 | 17,254,000 | 26,565,000 | 36,578,000 |
| Interest expense | 1,888,000 | 4,536,000 | 7,901,000 | 11,585,000 |
| Net interest income | 6,602,000 | 12,718,000 | 18,664,000 | 24,993,000 |
| Noninterest income | 1,009,000 | 1,875,000 | 2,332,000 | 3,255,000 |
| Noninterest expense | 3,725,000 | 7,507,000 | 11,685,000 | 15,824,000 |
| Provision for loan losses | 90,000 | 427,000 | 2,618,000 | 2,652,000 |
| Pretax income | 3,796,000 | 6,659,000 | 6,693,000 | 9,772,000 |
| Income tax | 888,000 | 1,516,000 | 1,489,000 | 2,233,000 |
| Net income | 2,908,000 | 5,143,000 | 5,204,000 | 7,539,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 85,276,000 | 86,554,000 | 85,157,000 | 86,879,000 |