Call reports 2016
FRANKLIN BANK — 2016
What FRANKLIN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 255,249,000 | 259,250,000 | 260,954,000 | 256,769,000 |
| Total loans | 145,915,000 | 150,623,000 | 149,275,000 | 152,625,000 |
| Allowance for loan losses | 1,466,000 | 1,480,000 | 1,506,000 | 1,521,000 |
| Securities available for sale | 51,225,000 | 48,705,000 | 46,762,000 | 42,238,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 223,477,000 | 227,196,000 | 228,813,000 | 224,804,000 |
| Interest-bearing deposits | 201,716,000 | 203,016,000 | 205,210,000 | 207,101,000 |
| Noninterest-bearing deposits | 21,761,000 | 24,180,000 | 23,603,000 | 17,703,000 |
| Equity capital | 21,961,000 | 22,151,000 | 22,235,000 | 21,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,003,000 | 3,984,000 | 5,993,000 | 7,959,000 |
| Interest expense | 316,000 | 609,000 | 899,000 | 1,177,000 |
| Net interest income | 1,687,000 | 3,375,000 | 5,094,000 | 6,782,000 |
| Noninterest income | 299,000 | 709,000 | 1,063,000 | 1,506,000 |
| Noninterest expense | 1,826,000 | 3,643,000 | 5,502,000 | 7,276,000 |
| Provision for loan losses | 66,000 | 216,000 | 250,000 | 362,000 |
| Pretax income | 101,000 | 232,000 | 412,000 | 657,000 |
| Income tax | 19,000 | 63,000 | 115,000 | 197,000 |
| Net income | 82,000 | 169,000 | 297,000 | 460,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,654,000 | 21,741,000 | 21,869,000 | 22,032,000 |
| Total capital | 23,120,000 | 23,221,000 | 23,375,000 | 23,553,000 |
| Risk-weighted assets | 126,730,000 | 133,776,000 | 132,998,000 | 138,918,000 |