Call reports 2004
FRANKLIN BANK, S.S.B. — 2004
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,595,769,000 | 3,068,818,000 | 3,307,137,000 | 3,477,922,000 |
| Total loans | 2,140,157,000 | 2,638,837,000 | 2,711,465,000 | 3,024,860,000 |
| Allowance for loan losses | 6,000,000 | 5,848,000 | 6,292,000 | 7,358,000 |
| Securities available for sale | 237,277,000 | 213,320,000 | 191,834,000 | 182,701,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,419,456,000 | 1,506,345,000 | 1,585,984,000 | 1,513,757,000 |
| Interest-bearing deposits | 1,357,123,000 | 1,443,995,000 | 1,524,351,000 | 1,430,166,000 |
| Noninterest-bearing deposits | 62,333,000 | 62,350,000 | 61,633,000 | 83,591,000 |
| Equity capital | 252,664,000 | 256,540,000 | 264,669,000 | 292,650,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 23,837,000 | 50,986,000 | 83,193,000 | 118,719,000 |
| Interest expense | 9,197,000 | 20,650,000 | 35,471,000 | 51,161,000 |
| Net interest income | 14,640,000 | 30,336,000 | 47,722,000 | 67,558,000 |
| Noninterest income | 1,814,000 | 4,513,000 | 8,300,000 | 11,800,000 |
| Noninterest expense | 8,474,000 | 17,306,000 | 27,137,000 | 38,590,000 |
| Provision for loan losses | 793,000 | 1,191,000 | 1,747,000 | 2,081,000 |
| Pretax income | 7,296,000 | 16,465,000 | 27,323,000 | 38,916,000 |
| Income tax | 2,536,000 | 5,769,000 | 9,542,000 | 13,590,000 |
| Net income | 4,760,000 | 10,696,000 | 17,781,000 | 25,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 191,293,000 | 195,827,000 | 202,703,000 | 216,342,000 |
| Total capital | 197,293,000 | 201,675,000 | 208,995,000 | 223,700,000 |
| Risk-weighted assets | 1,392,683,000 | 1,649,987,000 | 1,781,074,000 | 2,017,370,000 |