PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Franklin Bank, National Association

Southfield, MI · Cert 32174

FDIC

Q2 2006

$2.7BAssets
$2.2BLoans
$1.8BDeposits
n/aEquity

Executive Summary

  • Earnings: ROA of 0.95%, down 8 bps year over year.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Funding: loans stand at 119.77% of deposits as of Q2 2006.

Return on Assets (quarter, annualized)

0.95%-8 bps YoY

Net Interest Margin (quarter, annualized)

n/a
n/a

Efficiency Ratio (quarter, annualized)

n/a
n/a

Tier 1 Leverage Ratio

n/a
n/a

Discrete quarter, annualized.

MetricQ3 2004Q4 2004Q1 2005Q2 2005Q3 2005Q4 2005Q1 2006Q2 2006YoY ΔTrend
Earnings
Return on Assets0.25%0.30%1.10%1.03%1.03%1.02%1.00%0.95%-8 bps
Return on Equityn/an/an/an/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/an/an/an/a
Non-Interest Burdenn/an/an/an/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)329%358%355%327%12.01%9.52%6.21%10.13%-31,691 bps
Loan Growth (YoY)393%411%432%463%20.66%14.16%9.31%12.69%-45,020 bps
Deposit Growth (YoY)270%291%281%296%16.61%13.87%6.72%6.65%-28,950 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/an/an/an/a
Total Risk-Based Capitaln/an/an/an/an/an/an/an/an/an/a
Equity / Assetsn/an/an/an/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Deposits107.30%113.89%114.79%113.35%111.03%114.19%117.59%119.77%+642 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
CRE / Total Capitaln/an/an/an/an/an/an/an/an/an/a