Call reports 2005
FRANKLIN BANK — 2005
What FRANKLIN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 23,768,000 | 24,361,000 | 23,706,000 | 24,130,000 |
| Total loans | 13,604,000 | 14,379,000 | 14,908,000 | 14,240,000 |
| Allowance for loan losses | 138,000 | 141,000 | 140,000 | 143,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 8,713,000 | 8,713,000 | 5,915,000 | 5,830,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,200,000 | 21,001,000 | 20,804,000 | 21,449,000 |
| Interest-bearing deposits | 16,338,000 | 16,995,000 | 16,559,000 | 16,587,000 |
| Noninterest-bearing deposits | 4,862,000 | 4,006,000 | 4,245,000 | 4,862,000 |
| Equity capital | 2,451,000 | 2,566,000 | 2,690,000 | 2,499,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 323,000 | 653,000 | 986,000 | 1,328,000 |
| Interest expense | 68,000 | 147,000 | 236,000 | 330,000 |
| Net interest income | 255,000 | 506,000 | 750,000 | 998,000 |
| Noninterest income | 23,000 | 51,000 | 82,000 | 125,000 |
| Noninterest expense | 133,000 | 281,000 | 419,000 | 620,000 |
| Provision for loan losses | 3,000 | 6,000 | 10,000 | 13,000 |
| Pretax income | 142,000 | 270,000 | 441,000 | 528,000 |
| Income tax | 29,000 | 42,000 | 89,000 | 127,000 |
| Net income | 113,000 | 228,000 | 352,000 | 401,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,451,000 | 2,566,000 | 2,690,000 | 2,499,000 |
| Total capital | 2,589,000 | 2,707,000 | 2,830,000 | 2,642,000 |
| Risk-weighted assets | 14,065,000 | 15,185,000 | 15,162,000 | 14,846,000 |