Call reports 2025
FRANKLIN BANK — 2025
What FRANKLIN BANK 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 | 326,812,000 | 325,455,000 | 327,813,000 | 334,410,000 |
| Total loans | 205,292,000 | 210,280,000 | 210,326,000 | 211,670,000 |
| Allowance for loan losses | 1,756,000 | 1,827,000 | 1,855,000 | 1,850,000 |
| Securities available for sale | 65,220,000 | 61,460,000 | 56,647,000 | 52,906,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 297,233,000 | 295,788,000 | 297,267,000 | 302,495,000 |
| Interest-bearing deposits | 258,590,000 | 260,101,000 | 261,478,000 | 265,615,000 |
| Noninterest-bearing deposits | 38,643,000 | 35,687,000 | 35,789,000 | 36,880,000 |
| Equity capital | 27,040,000 | 27,903,000 | 28,804,000 | 29,679,000 |
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 | 3,335,000 | 6,836,000 | 10,403,000 | 14,104,000 |
| Interest expense | 759,000 | 1,480,000 | 2,209,000 | 2,962,000 |
| Net interest income | 2,576,000 | 5,356,000 | 8,194,000 | 11,142,000 |
| Noninterest income | 354,000 | 732,000 | 1,127,000 | 1,514,000 |
| Noninterest expense | 2,574,000 | 5,141,000 | 7,822,000 | 10,535,000 |
| Provision for loan losses | -3,000 | 68,000 | 97,000 | 108,000 |
| Pretax income | 364,000 | 875,000 | 1,399,000 | 2,001,000 |
| Income tax | 94,000 | 231,000 | 370,000 | 532,000 |
| Net income | 270,000 | 644,000 | 1,029,000 | 1,469,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,233,000 | 32,607,000 | 32,992,000 | 33,432,000 |
| Total capital | 34,005,000 | 34,458,000 | 34,870,000 | 35,315,000 |
| Risk-weighted assets | 183,073,000 | 191,987,000 | 192,688,000 | 194,133,000 |