Call reports 2006
FRANKLIN BANK, S.S.B. — 2006
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 4,764,405,000 | 5,091,755,000 | 5,168,991,000 | 5,533,327,000 |
| Total loans | 4,020,564,000 | 4,327,335,000 | 4,425,059,000 | 4,678,371,000 |
| Allowance for loan losses | 13,493,000 | 13,793,000 | 14,212,000 | 11,671,000 |
| Securities available for sale | 389,987,000 | 369,287,000 | 362,544,000 | 349,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,238,565,000 | 2,533,644,000 | 2,574,587,000 | 2,642,609,000 |
| Interest-bearing deposits | 2,086,218,000 | 2,372,380,000 | 2,416,095,000 | 2,477,401,000 |
| Noninterest-bearing deposits | 152,347,000 | 161,264,000 | 158,492,000 | 165,208,000 |
| Equity capital | 443,091,000 | 525,039,000 | 533,492,000 | 532,813,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 60,860,000 | 134,414,000 | 209,925,000 | 291,919,000 |
| Interest expense | 36,432,000 | 83,228,000 | 134,468,000 | 190,719,000 |
| Net interest income | 24,428,000 | 51,186,000 | 75,457,000 | 101,200,000 |
| Noninterest income | 4,500,000 | 9,788,000 | 15,170,000 | 6,848,000 |
| Noninterest expense | 16,151,000 | 32,487,000 | 49,476,000 | 65,992,000 |
| Provision for loan losses | 329,000 | 757,000 | 1,364,000 | 3,804,000 |
| Pretax income | 12,446,000 | 27,728,000 | 39,785,000 | 38,250,000 |
| Income tax | 4,518,000 | 10,065,000 | 14,441,000 | 13,882,000 |
| Net income | 7,928,000 | 17,663,000 | 25,344,000 | 24,368,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 288,093,000 | 365,740,000 | 377,355,000 | 372,751,000 |
| Total capital | 301,586,000 | 379,533,000 | 387,126,000 | 384,422,000 |
| Risk-weighted assets | 2,996,152,000 | 3,237,759,000 | 3,450,756,000 | 3,786,174,000 |