Call reports 2007
FRANKLIN BANK, S.S.B. — 2007
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 4,848,341,000 | 5,538,269,000 | 5,730,051,000 | 5,702,461,000 |
| Total loans | 4,031,988,000 | 4,248,301,000 | 4,239,050,000 | 4,090,003,000 |
| Allowance for loan losses | 11,958,000 | 15,640,000 | 22,630,000 | 54,256,000 |
| Securities available for sale | 189,759,000 | 251,492,000 | 320,387,000 | 320,683,000 |
| Securities held to maturity | 0 | 166,580,000 | 308,628,000 | 324,603,000 |
| Trading assets | 145,157,000 | 128,543,000 | 75,936,000 | 83,318,000 |
| Total deposits | 2,411,570,000 | 2,820,592,000 | 2,902,513,000 | 2,963,100,000 |
| Interest-bearing deposits | 2,254,643,000 | 2,499,095,000 | 2,602,925,000 | 2,666,434,000 |
| Noninterest-bearing deposits | 156,927,000 | 321,497,000 | 299,588,000 | 296,666,000 |
| Equity capital | 540,336,000 | 642,821,000 | 643,813,000 | 570,782,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 78,312,000 | 160,499,000 | 241,977,000 | 325,256,000 |
| Interest expense | 53,838,000 | 106,785,000 | 162,511,000 | 219,461,000 |
| Net interest income | 24,474,000 | 53,714,000 | 79,466,000 | 105,795,000 |
| Noninterest income | 6,132,000 | 13,242,000 | 14,816,000 | 11,291,000 |
| Noninterest expense | 16,258,000 | 35,450,000 | 55,472,000 | 142,549,000 |
| Provision for loan losses | 615,000 | 1,522,000 | 10,888,000 | 49,854,000 |
| Pretax income | 13,733,000 | 29,984,000 | 28,111,000 | -73,286,000 |
| Income tax | 4,406,000 | 10,001,000 | 8,881,000 | -19,724,000 |
| Net income | 9,327,000 | 19,983,000 | 19,230,000 | -53,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 378,543,000 | 373,441,000 | 373,434,000 | 371,788,000 |
| Total capital | 390,501,000 | 404,081,000 | 411,064,000 | 436,948,000 |
| Risk-weighted assets | 3,495,884,000 | 3,793,117,000 | 3,938,976,000 | 4,008,719,000 |