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Franklin Bank, Income and Expense

2005-09-30 (YTD Data)		Rank
Total interest income	$3,758,000	5,111
Total interest expense	$605,000	6,695
Net interest income	$3,153,000	4,480
Provision for loan and lease losses	$229,000	2,683
Total noninterest income	$62,000	8,164
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$49,000	6,871
Trading account gains and fees	$0	126
Additional Noninterest Income	$13,000	8,252
Total noninterest expense	$1,521,000	6,029
Salaries and employee benefits	$707,000	6,514
Premises and equipment expense	$155,000	6,631
Additional noninterest expense	$659,000	4,803
Pre-tax net operating income	$1,465,000	3,822
Securities gains (losses)	$0	2,317
Applicable income taxes	$380,000	3,410
Income before extraordinary items	$1,085,000	3,941
Extraordinary gains, net	$0	35
Net income	$1,085,000	3,941
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,144
Cash dividends	$0	5,317
Sale, conversion, retirement of capital stock, net	$0	769
Net operating income	$1,085,000	3,898
2005-06-30 (YTD Data)		Rank
Total interest income	$2,421,000	5,165
Total interest expense	$384,000	6,704
Net interest income	$2,037,000	4,556
Provision for loan and lease losses	$124,000	2,974
Total noninterest income	$39,000	8,204
Gross Fiduciary activities income	$0	1,480
Service charges on deposit accounts	$31,000	6,910
Trading account gains and fees	$0	116
Additional Noninterest Income	$8,000	8,279
Total noninterest expense	$991,000	6,099
Salaries and employee benefits	$468,000	6,530
Premises and equipment expense	$116,000	6,370
Additional noninterest expense	$407,000	5,033
Pre-tax net operating income	$961,000	3,816
Securities gains (losses)	$0	2,146
Applicable income taxes	$150,000	4,247
Income before extraordinary items	$811,000	3,613
Extraordinary gains, net	$0	30
Net income	$811,000	3,615
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,660
Cash dividends	$0	5,072
Sale, conversion, retirement of capital stock, net	$0	643
Net operating income	$811,000	3,563
2005-03-31 (YTD Data)		Rank
Total interest income	$1,140,000	5,325
Total interest expense	$185,000	6,727
Net interest income	$955,000	4,765
Provision for loan and lease losses	$62,000	2,802
Total noninterest income	$22,000	8,118
Gross Fiduciary activities income	$0	1,418
Service charges on deposit accounts	$17,000	6,822
Trading account gains and fees	$0	115
Additional Noninterest Income	$5,000	8,232
Total noninterest expense	$500,000	6,105
Salaries and employee benefits	$233,000	6,576
Premises and equipment expense	$59,000	6,380
Additional noninterest expense	$208,000	4,944
Pre-tax net operating income	$415,000	4,163
Securities gains (losses)	$0	1,685
Applicable income taxes	$0	6,892
Income before extraordinary items	$415,000	3,530
Extraordinary gains, net	$0	24
Net income	$415,000	3,531
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	4,728
Cash dividends	$0	3,863
Sale, conversion, retirement of capital stock, net	$0	491
Net operating income	$415,000	3,492
2004-12-31 (YTD Data)		Rank
Total interest income	$3,784,000	5,732
Total interest expense	$710,000	6,558
Net interest income	$3,074,000	5,335
Provision for loan and lease losses	$225,000	3,491
Total noninterest income	$60,000	8,498
Gross Fiduciary activities income	$0	1,582
Service charges on deposit accounts	$51,000	7,279
Trading account gains and fees	$0	138
Additional Noninterest Income	$9,000	8,564
Total noninterest expense	$1,899,000	6,181
Salaries and employee benefits	$899,000	6,609
Premises and equipment expense	$268,000	6,007
Additional noninterest expense	$732,000	5,375
Pre-tax net operating income	$1,010,000	5,210
Securities gains (losses)	$0	3,819
Applicable income taxes	$-135,000	8,771
Income before extraordinary items	$1,145,000	4,329
Extraordinary gains, net	$0	34
Net income	$1,145,000	4,330
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,973
Cash dividends	$0	6,149
Sale, conversion, retirement of capital stock, net	$3,949,000	263
Net operating income	$1,145,000	4,257
2004-09-30 (YTD Data)		Rank
Total interest income	$2,717,000	5,860
Total interest expense	$526,000	6,583
Net interest income	$2,191,000	5,489
Provision for loan and lease losses	$152,000	3,500
Total noninterest income	$44,000	8,559
Gross Fiduciary activities income	$0	1,547
Service charges on deposit accounts	$37,000	7,339
Trading account gains and fees	$0	134
Additional Noninterest Income	$7,000	8,603
Total noninterest expense	$1,419,000	6,147
Salaries and employee benefits	$673,000	6,574
Premises and equipment expense	$213,000	5,794
Additional noninterest expense	$533,000	5,447
Pre-tax net operating income	$664,000	5,634
Securities gains (losses)	$0	3,710
Applicable income taxes	$0	7,220
Income before extraordinary items	$664,000	5,092
Extraordinary gains, net	$0	26
Net income	$664,000	5,092
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,496
Cash dividends	$0	5,363
Sale, conversion, retirement of capital stock, net	$3,949,000	188
Net operating income	$664,000	5,001
2004-06-30 (YTD Data)		Rank
Total interest income	$1,736,000	6,002
Total interest expense	$352,000	6,600
Net interest income	$1,384,000	5,662
Provision for loan and lease losses	$94,000	3,595
Total noninterest income	$30,000	8,604
Gross Fiduciary activities income	$0	1,518
Service charges on deposit accounts	$25,000	7,362
Trading account gains and fees	$0	130
Additional Noninterest Income	$5,000	8,618
Total noninterest expense	$930,000	6,255
Salaries and employee benefits	$445,000	6,645
Premises and equipment expense	$143,000	5,814
Additional noninterest expense	$342,000	5,576
Pre-tax net operating income	$390,000	5,912
Securities gains (losses)	$0	3,413
Applicable income taxes	$0	7,214
Income before extraordinary items	$390,000	5,378
Extraordinary gains, net	$0	21
Net income	$390,000	5,378
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	6,017
Cash dividends	$0	5,087
Sale, conversion, retirement of capital stock, net	$3,949,000	123
Net operating income	$390,000	5,283
2004-03-31 (YTD Data)		Rank
Total interest income	$829,000	6,162
Total interest expense	$174,000	6,710
Net interest income	$655,000	5,849
Provision for loan and lease losses	$34,000	3,968
Total noninterest income	$15,000	8,621
Gross Fiduciary activities income	$0	1,441
Service charges on deposit accounts	$13,000	7,319
Trading account gains and fees	$0	121
Additional Noninterest Income	$2,000	8,709
Total noninterest expense	$465,000	6,294
Salaries and employee benefits	$222,000	6,692
Premises and equipment expense	$71,000	5,842
Additional noninterest expense	$172,000	5,571
Pre-tax net operating income	$171,000	6,166
Securities gains (losses)	$0	2,934
Applicable income taxes	$0	7,103
Income before extraordinary items	$171,000	5,703
Extraordinary gains, net	$0	16
Net income	$171,000	5,704
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	5,097
Cash dividends	$0	3,841
Sale, conversion, retirement of capital stock, net	$1,025,000	118
Net operating income	$171,000	5,584
2003-12-31 (YTD Data)		Rank
Total interest income	$2,978,000	6,537
Total interest expense	$632,000	7,292
Net interest income	$2,346,000	6,104
Provision for loan and lease losses	$145,000	4,649
Total noninterest income	$80,000	8,501
Gross Fiduciary activities income	$0	1,641
Service charges on deposit accounts	$59,000	7,289
Trading account gains and fees	$0	160
Additional Noninterest Income	$21,000	8,405
Total noninterest expense	$1,721,000	6,486
Salaries and employee benefits	$838,000	6,782
Premises and equipment expense	$283,000	5,834
Additional noninterest expense	$600,000	5,991
Pre-tax net operating income	$560,000	6,477
Securities gains (losses)	$0	4,500
Applicable income taxes	$1,000	7,379
Income before extraordinary items	$559,000	6,099
Extraordinary gains, net	$0	54
Net income	$559,000	6,103
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-2,000	8,340
Cash dividends	$0	6,283
Sale, conversion, retirement of capital stock, net	$0	868
Net operating income	$559,000	5,948
2003-09-30 (YTD Data)		Rank
Total interest income	$2,172,000	6,719
Total interest expense	$465,000	7,472
Net interest income	$1,707,000	6,245
Provision for loan and lease losses	$98,000	4,702
Total noninterest income	$67,000	8,473
Gross Fiduciary activities income	$0	1,599
Service charges on deposit accounts	$48,000	7,257
Trading account gains and fees	$0	153
Additional Noninterest Income	$19,000	8,294
Total noninterest expense	$1,281,000	6,487
Salaries and employee benefits	$627,000	6,794
Premises and equipment expense	$212,000	5,838
Additional noninterest expense	$442,000	6,039
Pre-tax net operating income	$395,000	6,729
Securities gains (losses)	$0	4,204
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$394,000	6,386
Extraordinary gains, net	$0	40
Net income	$394,000	6,386
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-4,000	8,291
Cash dividends	$0	5,519
Sale, conversion, retirement of capital stock, net	$0	722
Net operating income	$394,000	6,212
2003-06-30 (YTD Data)		Rank
Total interest income	$1,368,000	6,934
Total interest expense	$317,000	7,540
Net interest income	$1,051,000	6,484
Provision for loan and lease losses	$59,000	4,958
Total noninterest income	$37,000	8,650
Gross Fiduciary activities income	$0	1,577
Service charges on deposit accounts	$20,000	7,664
Trading account gains and fees	$0	150
Additional Noninterest Income	$17,000	8,015
Total noninterest expense	$833,000	6,584
Salaries and employee benefits	$406,000	6,898
Premises and equipment expense	$140,000	5,867
Additional noninterest expense	$287,000	6,111
Pre-tax net operating income	$196,000	7,245
Securities gains (losses)	$0	3,782
Applicable income taxes	$1,000	7,438
Income before extraordinary items	$195,000	7,011
Extraordinary gains, net	$0	30
Net income	$195,000	7,014
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$-9,000	8,495
Cash dividends	$0	5,215
Sale, conversion, retirement of capital stock, net	$0	589
Net operating income	$195,000	6,821
2003-03-31 (YTD Data)		Rank
Total interest income	$653,000	7,094
Total interest expense	$157,000	7,662
Net interest income	$496,000	6,676
Provision for loan and lease losses	$22,000	5,127
Total noninterest income	$9,000	9,027
Gross Fiduciary activities income	$0	1,504
Service charges on deposit accounts	$7,000	7,830
Trading account gains and fees	$0	134
Additional Noninterest Income	$2,000	8,884
Total noninterest expense	$414,000	6,604
Salaries and employee benefits	$200,000	6,979
Premises and equipment expense	$72,000	5,758
Additional noninterest expense	$142,000	6,123
Pre-tax net operating income	$69,000	7,685
Securities gains (losses)	$0	2,891
Applicable income taxes	$0	7,403
Income before extraordinary items	$69,000	7,507
Extraordinary gains, net	$0	21
Net income	$69,000	7,507
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$1,000	5,250
Cash dividends	$0	3,930
Sale, conversion, retirement of capital stock, net	$0	419
Net operating income	$69,000	7,355
2002-12-31 (YTD Data)		Rank
Total interest income	$2,253,000	7,592
Total interest expense	$654,000	7,943
Net interest income	$1,599,000	7,271
Provision for loan and lease losses	$182,000	4,537
Total noninterest income	$36,000	9,069
Gross Fiduciary activities income	$0	1,713
Service charges on deposit accounts	$27,000	7,890
Trading account gains and fees	$0	153
Additional Noninterest Income	$9,000	8,930
Total noninterest expense	$1,608,000	6,634
Salaries and employee benefits	$779,000	6,956
Premises and equipment expense	$301,000	5,570
Additional noninterest expense	$528,000	6,355
Pre-tax net operating income	$-155,000	8,802
Securities gains (losses)	$0	4,537
Applicable income taxes	$0	7,681
Income before extraordinary items	$-155,000	8,877
Extraordinary gains, net	$0	70
Net income	$-155,000	8,877
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$14,000	6,624
Cash dividends	$0	6,377
Sale, conversion, retirement of capital stock, net	$0	862
Net operating income	$-155,000	8,821
2001-12-31 (YTD Data)		Rank
Total interest income	$1,571,000	8,668
Total interest expense	$1,006,000	8,008
Net interest income	$565,000	9,092
Provision for loan and lease losses	$211,000	4,006
Total noninterest income	$26,000	9,376
Gross Fiduciary activities income	$0	1,731
Service charges on deposit accounts	$17,000	8,172
Trading account gains and fees	$0	177
Additional Noninterest Income	$9,000	9,168
Total noninterest expense	$1,423,000	6,970
Salaries and employee benefits	$752,000	6,972
Premises and equipment expense	$273,000	5,828
Additional noninterest expense	$398,000	7,161
Pre-tax net operating income	$-1,043,000	9,368
Securities gains (losses)	$0	4,612
Applicable income taxes	$0	7,903
Income before extraordinary items	$-1,043,000	9,427
Extraordinary gains, net	$0	105
Net income	$-1,043,000	9,428
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,777
Cash dividends	$0	6,617
Sale, conversion, retirement of capital stock, net	$0	922
Net operating income	$-1,043,000	9,395
2000-12-31 (YTD Data)		Rank
Total interest income	$225,000	9,816
Total interest expense	$117,000	9,731
Net interest income	$108,000	9,841
Provision for loan and lease losses	$10,000	7,963
Total noninterest income	$7,000	9,778
Gross Fiduciary activities income	NA	NA
Service charges on deposit accounts	$1,000	8,577
Trading account gains and fees	NA	NA
Additional Noninterest Income	$6,000	9,605
Total noninterest expense	$851,000	8,425
Salaries and employee benefits	$338,000	9,069
Premises and equipment expense	$109,000	8,292
Additional noninterest expense	$404,000	7,117
Pre-tax net operating income	$-746,000	9,649
Securities gains (losses)	$0	1,956
Applicable income taxes	$0	8,362
Income before extraordinary items	$-746,000	9,672
Extraordinary gains, net	$0	38
Net income	$-746,000	9,671
Minority interest net income	NA	NA
Net income of bank and minority interests.	NA	NA
Net charge-offs	$0	7,622
Cash dividends	$0	6,853
Sale, conversion, retirement of capital stock, net	$6,409,000	151
Net operating income	$-746,000	9,671

* The data above is accumulated from the beginning of the year to the date posted. The data for Dec. 31 is the number for the entire year.