Call reports 2003
FRANKLIN BANK — 2003
What FRANKLIN BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 20,525,000 | 20,503,000 | 20,347,000 | 21,108,000 |
| Total loans | 11,670,000 | 11,512,000 | 11,288,000 | 11,114,000 |
| Allowance for loan losses | 121,000 | 124,000 | 127,000 | 128,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 7,415,000 | 7,187,000 | 7,809,000 | 8,148,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,176,000 | 18,052,000 | 17,780,000 | 18,844,000 |
| Interest-bearing deposits | 14,639,000 | 14,581,000 | 14,083,000 | 14,157,000 |
| Noninterest-bearing deposits | 3,537,000 | 3,471,000 | 3,697,000 | 4,687,000 |
| Equity capital | 2,220,000 | 2,316,000 | 2,407,000 | 2,177,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 312,000 | 615,000 | 915,000 | 1,212,000 |
| Interest expense | 96,000 | 181,000 | 259,000 | 328,000 |
| Net interest income | 216,000 | 434,000 | 656,000 | 884,000 |
| Noninterest income | 23,000 | 49,000 | 76,000 | 104,000 |
| Noninterest expense | 125,000 | 255,000 | 383,000 | 555,000 |
| Provision for loan losses | 3,000 | 6,000 | 9,000 | 10,000 |
| Pretax income | 111,000 | 222,000 | 340,000 | 423,000 |
| Income tax | 22,000 | 37,000 | 64,000 | 77,000 |
| Net income | 89,000 | 185,000 | 276,000 | 346,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,220,000 | 2,316,000 | 2,407,000 | 2,177,000 |
| Total capital | 2,341,000 | 2,440,000 | 2,534,000 | 2,305,000 |
| Risk-weighted assets | 12,420,000 | 12,439,000 | 12,076,000 | 12,382,000 |