Franklin Bank, S.S.B.
Houston, TX — State Savings Bank
Acquired Nov 2008
Net Income Analysis
( % relative to Total Revenue )
| Income Statement | Franklin Bank, S.S.B. | All Insured Savings Banks in Texas |
| Interest and Fees on Loans | 151,956 | 4,917 |
| Income from Lease Financing Receivables | — | 119 |
| 524 | 149 | |
| Estimated Tax Benefit from Tax-Exempt Loan Income | — | 28 |
| Income on Loans and Leases (TE) | 151,956 | 4,925 |
| Investment Interest Income (TE) | 28,388 | 2,336 |
| Total Interest Income (TE) | 197,527 | 6,220 |
| Total Interest Expense | 149,605 | 2,601 |
| Net Interest Income (TE) | 47,922 | 3,618 |
| Non-Interest Income | — | 653 |
| Adjusted Operating Income (TE) | 37,546 | 4,170 |
| Non-interest Expense | 202,265 | 3,189 |
| Provision for Loan & Lease Losses | 213,127 | 9,314 |
| Pretax Operating Income (TE) | — | 1,579 |
| Pretax Net Operating Income (TE) | — | 1,674 |
| Applicable Income Taxes | 5,171 | 819 |
| Net Operating Income | — | 1,404 |
| Net Income | — | 1,319 |
| Cash Dividends Declared | 1,600 | 732 |
| Retained Earnings | — | 1,091 |