Call reports 2004
FRANKLIN BANK — 2004
What FRANKLIN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 21,401,000 | 22,743,000 | 22,679,000 | 23,715,000 |
| Total loans | 11,470,000 | 12,035,000 | 12,533,000 | 13,547,000 |
| Allowance for loan losses | 128,000 | 128,000 | 128,000 | 132,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,468,000 | 8,716,000 | 8,716,000 | 8,705,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,016,000 | 20,233,000 | 19,429,000 | 21,051,000 |
| Interest-bearing deposits | 14,840,000 | 15,850,000 | 15,568,000 | 15,425,000 |
| Noninterest-bearing deposits | 4,176,000 | 4,383,000 | 3,861,000 | 5,626,000 |
| Equity capital | 2,277,000 | 2,397,000 | 2,498,000 | 2,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 294,000 | 598,000 | 914,000 | 1,232,000 |
| Interest expense | 66,000 | 130,000 | 195,000 | 258,000 |
| Net interest income | 228,000 | 468,000 | 719,000 | 974,000 |
| Noninterest income | 23,000 | 47,000 | 72,000 | 96,000 |
| Noninterest expense | 129,000 | 267,000 | 404,000 | 561,000 |
| Provision for loan losses | 0 | 0 | 0 | 12,000 |
| Pretax income | 122,000 | 248,000 | 387,000 | 497,000 |
| Income tax | 22,000 | 28,000 | 66,000 | 96,000 |
| Net income | 100,000 | 220,000 | 321,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,277,000 | 2,397,000 | 2,498,000 | 2,338,000 |
| Total capital | 2,405,000 | 2,525,000 | 2,626,000 | 2,470,000 |
| Risk-weighted assets | 12,554,000 | 13,083,000 | 13,853,000 | 14,810,000 |