Call reports 2008
FRANKLIN BANK, S.S.B. — 2008
What FRANKLIN BANK, S.S.B. reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Total assets | 5,922,782,000 | 5,572,332,000 | 5,089,260,000 |
| Total loans | 3,966,462,000 | 3,787,067,000 | 3,539,459,000 |
| Allowance for loan losses | 69,810,000 | 61,981,000 | 145,368,000 |
| Securities available for sale | 363,887,000 | 342,368,000 | 319,603,000 |
| Securities held to maturity | 316,528,000 | 308,737,000 | 302,409,000 |
| Trading assets | 76,255,000 | 73,666,000 | 58,006,000 |
| Total deposits | 3,328,099,000 | 3,722,597,000 | 3,692,887,000 |
| Interest-bearing deposits | 3,005,831,000 | 3,445,394,000 | 3,428,760,000 |
| Noninterest-bearing deposits | 322,268,000 | 277,203,000 | 264,127,000 |
| Equity capital | 531,611,000 | 424,802,000 | 175,121,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Interest income | 74,844,000 | 139,994,000 | 197,527,000 |
| Interest expense | 54,063,000 | 103,449,000 | 149,605,000 |
| Net interest income | 20,781,000 | 36,545,000 | 47,922,000 |
| Noninterest income | 2,006,000 | 8,731,000 | -10,376,000 |
| Noninterest expense | 46,569,000 | 144,065,000 | 202,265,000 |
| Provision for loan losses | 20,921,000 | 65,743,000 | 213,127,000 |
| Pretax income | -43,828,000 | -163,657,000 | -378,155,000 |
| Income tax | -8,126,000 | -26,431,000 | 5,171,000 |
| Net income | -35,702,000 | -137,226,000 | -383,326,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 |
|---|---|---|---|
| Tier 1 capital | 358,420,000 | 328,847,000 | 113,169,000 |
| Total capital | 423,519,000 | 392,286,000 | 171,394,000 |
| Risk-weighted assets | 3,988,236,000 | 3,861,609,000 | 3,355,880,000 |