PackageTrendsPeer
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Franklin Bank of California

Orange, CA · Cert 26314

FDIC

Q3 2004

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 2004, the quarter ended September 30, 2004, 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 2026-10-10

Franklin Bank of California

Orange, CA · Cert 26314

FDIC

Q3 2004

$2.4MAssets
n/aLoans
$501KDeposits
$1.9MEquity
Deposit mix
0%Interest-bearing $0K100%Noninterest $501KQ3 2003Q3 2004

NIM

9.40%Q3 ’022.93%Q3 ’031.86%Q3 ’04-68%-36%

Non-interest income vs. expense

11.90%Q3 ’027.28%Q3 ’037.26%Q3 ’04-34%-9%

Executive Summary

  • Earnings: ROA of -4.76%, up 33 bps year over year; NIM at 1.86%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2004.

Financial Results

Return on Assets (YTD, annualized)

-4.76%+33 bps YoY

Net Interest Margin (YTD, annualized)

1.86%-106 bps YoY

Efficiency Ratio (YTD, annualized)

332%+4,863 bps YoY

Tier 1 Leverage Ratio

n/a

Year to date, annualized, through each quarter.

MetricQ3 2003Q4 2003Q1 2004Q2 2004Q3 2004YoY ΔTrend
Earnings
Return on Assets-5.09%-4.61%0.36%-6.85%-4.76%+33 bps
Return on Equity-6.08%-5.39%0.42%-7.76%-5.56%+51 bps
Net Interest Margin2.93%2.70%1.69%1.91%1.86%-106 bps
Efficiency Ratio284%285%229%364%332%+4,863 bps
Non-Interest Burden7.64%7.16%5.06%8.22%6.94%-71 bps
Growth
Asset Growth (YoY)-7.81%-9.11%-7.13%-9.50%-3.18%+463 bps
Loan Growth (YoY)-96.83%-97.43%-90.48%-87.50%-100.00%-317 bps
Deposit Growth (YoY)0.80%-13.33%-2.52%-29.84%-1.18%-198 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%n/an/a
Net Charge-Offs / Loans-188.24%-291%-500%-550%0.00%+18,824 bps
Allowance / Loans0.00%0.00%0.00%0.00%n/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital116.17%448%387%464%385%+26,865 bps
Equity / Assets79.31%93.11%79.27%94.35%77.87%-144 bps
Liquidity & Funding
Loans / Deposits3.35%7.69%1.59%4.60%0.00%-335 bps
Liquid Assets / Assets23.67%97.78%81.96%99.34%81.99%+5,833 bps
CRE / Total Capitaln/an/an/an/an/an/an/a