Call reports 2002
FRANKLIN BANK, S.S.B. — 2002
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 48,297,000 | 203,927,000 | 217,531,000 | 357,432,000 |
| Total loans | 39,110,000 | 159,570,000 | 140,111,000 | 308,333,000 |
| Allowance for loan losses | 494,000 | 1,203,000 | 1,091,000 | 1,143,000 |
| Securities available for sale | 3,787,000 | 23,554,000 | 23,878,000 | 22,924,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 44,192,000 | 150,366,000 | 162,757,000 | 204,460,000 |
| Interest-bearing deposits | 39,053,000 | 144,527,000 | 155,643,000 | 176,245,000 |
| Noninterest-bearing deposits | 5,139,000 | 5,839,000 | 7,114,000 | 28,215,000 |
| Equity capital | 3,981,000 | 13,766,000 | 15,773,000 | 87,797,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 770,000 | 1,395,000 | 3,793,000 | 6,570,000 |
| Interest expense | 283,000 | 635,000 | 1,984,000 | 3,356,000 |
| Net interest income | 487,000 | 760,000 | 1,809,000 | 3,214,000 |
| Noninterest income | 59,000 | 48,000 | 102,000 | 157,000 |
| Noninterest expense | 466,000 | 955,000 | 2,206,000 | 3,878,000 |
| Provision for loan losses | 50,000 | 10,000 | 30,000 | 152,000 |
| Pretax income | 30,000 | -92,000 | -137,000 | -472,000 |
| Income tax | 10,000 | -31,000 | -47,000 | -97,000 |
| Net income | 20,000 | -61,000 | -90,000 | -375,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,941,000 | 13,675,000 | 13,988,000 | 86,054,000 |
| Total capital | 4,331,000 | 14,878,000 | 15,078,000 | 87,197,000 |
| Risk-weighted assets | 31,131,000 | 109,603,000 | 101,408,000 | 175,483,000 |