Call reports 2023
FRANKLIN BANK — 2023
What FRANKLIN BANK 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 | 332,328,000 | 323,180,000 | 322,718,000 | 312,780,000 |
| Total loans | 179,760,000 | 181,222,000 | 185,294,000 | 191,719,000 |
| Allowance for loan losses | 1,651,000 | 1,581,000 | 1,628,000 | 1,668,000 |
| Securities available for sale | 80,760,000 | 76,779,000 | 73,022,000 | 74,939,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 307,733,000 | 300,309,000 | 299,692,000 | 285,446,000 |
| Interest-bearing deposits | 264,562,000 | 260,149,000 | 258,567,000 | 247,020,000 |
| Noninterest-bearing deposits | 43,171,000 | 40,160,000 | 41,125,000 | 38,426,000 |
| Equity capital | 21,745,000 | 21,234,000 | 20,448,000 | 23,802,000 |
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 | 2,962,000 | 6,075,000 | 9,107,000 | 12,254,000 |
| Interest expense | 102,000 | 241,000 | 438,000 | 760,000 |
| Net interest income | 2,860,000 | 5,834,000 | 8,669,000 | 11,494,000 |
| Noninterest income | 339,000 | 693,000 | 1,070,000 | 1,437,000 |
| Noninterest expense | 3,170,000 | 6,376,000 | 8,497,000 | 10,816,000 |
| Provision for loan losses | 0 | -82,000 | -33,000 | 13,000 |
| Pretax income | 29,000 | 212,000 | 1,257,000 | 2,084,000 |
| Income tax | 1,000 | 48,000 | 365,000 | 610,000 |
| Net income | 28,000 | 164,000 | 892,000 | 1,474,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,635,000 | 28,771,000 | 29,499,000 | 30,080,000 |
| Total capital | 30,286,000 | 30,373,000 | 31,145,000 | 31,766,000 |
| Risk-weighted assets | 162,499,000 | 165,742,000 | 168,926,000 | 173,643,000 |