Call reports 2005
FRANKLIN BANK, S.S.B. — 2005
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 3,889,789,000 | 4,296,454,000 | 4,453,008,000 | 4,467,281,000 |
| Total loans | 3,473,321,000 | 3,813,645,000 | 3,935,620,000 | 3,826,762,000 |
| Allowance for loan losses | 7,642,000 | 9,203,000 | 9,024,000 | 13,367,000 |
| Securities available for sale | 161,490,000 | 177,440,000 | 186,044,000 | 201,318,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,810,131,000 | 2,052,595,000 | 2,012,199,000 | 2,137,762,000 |
| Interest-bearing deposits | 1,721,404,000 | 1,928,183,000 | 1,876,433,000 | 1,980,827,000 |
| Noninterest-bearing deposits | 88,727,000 | 124,412,000 | 135,766,000 | 156,936,000 |
| Equity capital | 317,652,000 | 379,599,000 | 425,653,000 | 430,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 41,357,000 | 88,790,000 | 141,847,000 | 197,819,000 |
| Interest expense | 20,113,000 | 46,246,000 | 75,787,000 | 108,700,000 |
| Net interest income | 21,244,000 | 42,544,000 | 66,060,000 | 89,119,000 |
| Noninterest income | 3,333,000 | 8,098,000 | 12,547,000 | 16,990,000 |
| Noninterest expense | 12,406,000 | 26,102,000 | 40,879,000 | 54,830,000 |
| Provision for loan losses | 418,000 | 844,000 | 416,000 | 4,859,000 |
| Pretax income | 11,753,000 | 23,740,000 | 38,083,000 | 47,394,000 |
| Income tax | 4,247,000 | 8,579,000 | 13,762,000 | 17,127,000 |
| Net income | 7,506,000 | 15,161,000 | 24,321,000 | 30,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 242,236,000 | 267,839,000 | 300,399,000 | 274,637,000 |
| Total capital | 249,878,000 | 277,042,000 | 309,423,000 | 288,004,000 |
| Risk-weighted assets | 2,333,126,000 | 2,518,777,000 | 2,659,955,000 | 2,767,606,000 |