Call reports 2006
FRANKLIN BANK — 2006
What FRANKLIN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 22,306,000 | 24,097,000 | 24,235,000 | 23,928,000 |
| Total loans | 14,071,000 | 14,122,000 | 15,114,000 | 15,196,000 |
| Allowance for loan losses | 145,000 | 149,000 | 151,000 | 154,000 |
| Securities available for sale | 0 | 0 | 0 | 1,950,000 |
| Securities held to maturity | 6,035,000 | 6,744,000 | 6,745,000 | 1,523,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,565,000 | 21,281,000 | 21,253,000 | 20,898,000 |
| Interest-bearing deposits | 15,266,000 | 16,487,000 | 16,727,000 | 15,692,000 |
| Noninterest-bearing deposits | 4,299,000 | 4,794,000 | 4,526,000 | 5,206,000 |
| Equity capital | 2,617,000 | 2,711,000 | 2,850,000 | 2,593,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 333,000 | 648,000 | 1,032,000 | 1,402,000 |
| Interest expense | 94,000 | 198,000 | 329,000 | 463,000 |
| Net interest income | 239,000 | 450,000 | 703,000 | 939,000 |
| Noninterest income | 23,000 | 52,000 | 79,000 | 125,000 |
| Noninterest expense | 137,000 | 282,000 | 422,000 | 619,000 |
| Provision for loan losses | 7,000 | 8,000 | 9,000 | 11,000 |
| Pretax income | 118,000 | 212,000 | 351,000 | 352,000 |
| Income tax | 0 | 0 | 0 | 17,000 |
| Net income | 118,000 | 212,000 | 351,000 | 335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,617,000 | 2,711,000 | 2,850,000 | 2,593,000 |
| Total capital | 2,762,000 | 2,860,000 | 3,001,000 | 2,706,000 |
| Risk-weighted assets | 12,613,000 | 13,091,000 | 13,682,000 | 15,620,000 |