Call reports 2015
FRANKLIN BANK — 2015
What FRANKLIN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 249,858,000 | 247,246,000 | 247,319,000 | 249,319,000 |
| Total loans | 148,048,000 | 147,361,000 | 147,877,000 | 146,700,000 |
| Allowance for loan losses | 1,436,000 | 1,431,000 | 1,472,000 | 1,476,000 |
| Securities available for sale | 16,555,000 | 30,161,000 | 54,313,000 | 47,267,000 |
| Securities held to maturity | 38,240,000 | 33,608,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 211,820,000 | 216,235,000 | 215,618,000 | 217,716,000 |
| Interest-bearing deposits | 195,955,000 | 198,655,000 | 197,101,000 | 199,443,000 |
| Noninterest-bearing deposits | 15,865,000 | 17,580,000 | 18,517,000 | 18,273,000 |
| Equity capital | 21,302,000 | 21,284,000 | 21,842,000 | 21,586,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,109,000 | 4,211,000 | 6,230,000 | 8,231,000 |
| Interest expense | 445,000 | 850,000 | 1,206,000 | 1,545,000 |
| Net interest income | 1,664,000 | 3,361,000 | 5,024,000 | 6,686,000 |
| Noninterest income | 243,000 | 578,000 | 887,000 | 1,199,000 |
| Noninterest expense | 1,853,000 | 3,739,000 | 5,832,000 | 7,822,000 |
| Provision for loan losses | 21,000 | 113,000 | 347,000 | 399,000 |
| Pretax income | 33,000 | 87,000 | 257,000 | 195,000 |
| Income tax | 21,000 | 38,000 | -102,000 | -139,000 |
| Net income | 12,000 | 49,000 | 359,000 | 334,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,132,000 | 21,171,000 | 21,492,000 | 21,572,000 |
| Total capital | 22,568,000 | 22,602,000 | 22,964,000 | 23,048,000 |
| Risk-weighted assets | 131,575,000 | 136,662,000 | 145,135,000 | 125,483,000 |