Call reports 2025
FRANKLIN BANK & TRUST COMPANY — 2025
What FRANKLIN BANK & TRUST COMPANY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 766,225,000 | 750,827,000 | 777,212,000 | 801,268,000 |
| Total loans | 640,245,000 | 639,141,000 | 661,832,000 | 698,882,000 |
| Allowance for loan losses | 6,397,000 | 6,398,000 | 6,398,000 | 6,398,000 |
| Securities available for sale | 9,229,000 | 9,111,000 | 8,993,000 | 8,761,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 648,906,000 | 631,734,000 | 659,176,000 | 641,608,000 |
| Interest-bearing deposits | 521,168,000 | 517,182,000 | 542,122,000 | 530,766,000 |
| Noninterest-bearing deposits | 127,738,000 | 114,552,000 | 117,054,000 | 110,842,000 |
| Equity capital | 95,942,000 | 97,829,000 | 100,345,000 | 102,587,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 10,838,000 | 21,754,000 | 33,192,000 | 44,708,000 |
| Interest expense | 4,247,000 | 8,518,000 | 12,879,000 | 16,961,000 |
| Net interest income | 6,591,000 | 13,236,000 | 20,313,000 | 27,747,000 |
| Noninterest income | 1,066,000 | 2,242,000 | 3,458,000 | 4,971,000 |
| Noninterest expense | 4,294,000 | 8,421,000 | 12,716,000 | 17,411,000 |
| Provision for loan losses | 299,000 | 677,000 | 1,049,000 | 1,396,000 |
| Pretax income | 3,064,000 | 6,380,000 | 10,006,000 | 13,911,000 |
| Income tax | 728,000 | 1,495,000 | 2,335,000 | 3,241,000 |
| Net income | 2,336,000 | 4,885,000 | 7,671,000 | 10,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 95,876,000 | 97,751,000 | 100,164,000 | 102,417,000 |