Call reports 2012
FRANKLIN BANK — 2012
What FRANKLIN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 265,456,000 | 261,984,000 | 255,941,000 | 250,517,000 |
| Total loans | 167,347,000 | 167,215,000 | 165,463,000 | 163,521,000 |
| Allowance for loan losses | 1,463,000 | 1,505,000 | 1,504,000 | 1,491,000 |
| Securities available for sale | 7,241,000 | 11,039,000 | 4,855,000 | 3,893,000 |
| Securities held to maturity | 53,926,000 | 46,858,000 | 43,956,000 | 44,694,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 215,262,000 | 211,893,000 | 205,818,000 | 201,553,000 |
| Interest-bearing deposits | 205,308,000 | 201,021,000 | 194,771,000 | 191,116,000 |
| Noninterest-bearing deposits | 9,954,000 | 10,872,000 | 11,047,000 | 10,437,000 |
| Equity capital | 20,003,000 | 20,087,000 | 20,110,000 | 20,341,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,732,000 | 5,432,000 | 8,018,000 | 10,544,000 |
| Interest expense | 939,000 | 1,807,000 | 2,615,000 | 3,348,000 |
| Net interest income | 1,793,000 | 3,625,000 | 5,403,000 | 7,196,000 |
| Noninterest income | 218,000 | 479,000 | 759,000 | 1,038,000 |
| Noninterest expense | 1,852,000 | 3,683,000 | 5,584,000 | 7,260,000 |
| Provision for loan losses | 296,000 | 444,000 | 532,000 | 594,000 |
| Pretax income | -137,000 | -23,000 | 46,000 | 380,000 |
| Income tax | 121,000 | 164,000 | 189,000 | 315,000 |
| Net income | -258,000 | -187,000 | -143,000 | 65,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,842,000 | 18,940,000 | 18,995,000 | 19,221,000 |
| Total capital | 20,305,000 | 20,445,000 | 20,500,000 | 20,738,000 |
| Risk-weighted assets | 141,905,000 | 143,470,000 | 138,080,000 | 144,568,000 |