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Franklin Templeton Bank & Trust, F.S.B.

Salt Lake City, UT · Cert 22087

FDIC · 1 branch

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Franklin Templeton Bank & Trust, F.S.B.

Salt Lake City, UT · Cert 22087

FDIC · 1 branch

Q3 2015

$43.3MAssets
n/aLoans
n/aDeposits
$34.9MEquity
Deposit mix
0%Interest-bearing $0100%Noninterest $0Q3 2014Q3 2015

NIM

2.01%Q3 ’130.32%Q3 ’140.26%Q3 ’15+243%-19%

Non-interest income vs. expense

8.69%Q3 ’138.17%Q3 ’1432.99%Q3 ’15-189%+69%

Market Position · Salt Lake City, UT · 2015 SOD (annual) · 0.0% share · #44 of 44 inst. · $0.0B of $489.3B

Executive Summary

  • Earnings: ROA of 0.76%, down 259 bps year over year; NIM at 0.26%.
  • Capital: tier 1 leverage ratio of 84.15%.

Financial Results

Return on Assets (YTD, annualized)

0.76%-259 bps YoY

Net Interest Margin (YTD, annualized)

0.26%-6 bps YoY

Efficiency Ratio (YTD, annualized)

95.20%+3,263 bps YoY

Tier 1 Leverage Ratio

84.15%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets3.36%3.05%1.05%1.47%0.76%-259 bps
Return on Equity3.86%3.43%1.12%1.62%0.86%-300 bps
Net Interest Margin0.32%0.30%0.28%0.29%0.26%-6 bps
Efficiency Ratio62.58%78.12%95.70%93.70%95.20%+3,263 bps
Non-Interest Burden-4.57%-4.03%-1.43%-2.03%-1.40%+317 bps
Growth
Asset Growth (YoY)-32.41%2.97%1.89%0.35%-0.41%+3,200 bps
Loan Growth (YoY)-100.00%n/an/an/an/an/a
Deposit Growth (YoY)-97.54%-2.15%-2.34%-100.00%-100.00%-246 bps
Asset Quality
Nonperforming Loans / Loansn/an/an/an/an/an/an/a
Net Charge-Offs / Loansn/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a93.89%88.00%84.15%n/a
Total Risk-Based Capital241%569%381%294%270%+2,848 bps
Equity / Assets79.02%97.16%90.71%86.06%80.52%+150 bps
Liquidity & Funding
Loans / Deposits0.00%0.00%0.00%n/an/an/a
Liquid Assets / Assets0.46%0.57%0.55%0.00%0.00%-46 bps
CRE / Total Capitaln/an/an/an/an/an/an/a