Call reports 2003
FRANKLIN BANK, S.S.B. — 2003
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 847,753,000 | 1,156,681,000 | 1,533,783,000 | 2,247,653,000 |
| Total loans | 764,757,000 | 941,741,000 | 1,284,583,000 | 1,817,071,000 |
| Allowance for loan losses | 1,447,000 | 2,419,000 | 2,637,000 | 4,850,000 |
| Securities available for sale | 46,143,000 | 31,299,000 | 126,578,000 | 268,976,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 10,000,000 | 51,129,000 | 0 | 0 |
| Total deposits | 476,576,000 | 607,880,000 | 856,276,000 | 1,282,798,000 |
| Interest-bearing deposits | 441,856,000 | 536,015,000 | 788,919,000 | 1,223,596,000 |
| Noninterest-bearing deposits | 34,720,000 | 71,865,000 | 67,357,000 | 59,202,000 |
| Equity capital | 87,143,000 | 115,723,000 | 118,589,000 | 240,526,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 5,820,000 | 15,407,000 | 26,492,000 | 40,238,000 |
| Interest expense | 2,666,000 | 7,151,000 | 12,536,000 | 19,485,000 |
| Net interest income | 3,154,000 | 8,256,000 | 13,956,000 | 20,753,000 |
| Noninterest income | 231,000 | 1,033,000 | 2,452,000 | 3,846,000 |
| Noninterest expense | 2,033,000 | 5,258,000 | 8,969,000 | 16,116,000 |
| Provision for loan losses | 304,000 | 655,000 | 876,000 | 1,004,000 |
| Pretax income | 1,490,000 | 3,969,000 | 7,403,000 | 8,318,000 |
| Income tax | 525,000 | 1,382,000 | 2,578,000 | 2,913,000 |
| Net income | 965,000 | 2,587,000 | 4,825,000 | 5,405,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 86,923,000 | 96,583,000 | 98,280,000 | 186,152,000 |
| Total capital | 88,370,000 | 99,002,000 | 100,917,000 | 191,002,000 |
| Risk-weighted assets | 430,254,000 | 576,613,000 | 767,048,000 | 1,144,143,000 |