Franklin Templeton Bank and Trust, F.S.B. in city_name, state_name

Franklin Templeton Bank and Trust, F.S.B. in Salt Lake City, Utah (UT), CA
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Franklin Templeton Bank and Trust, F.S.B. - Overview

General
FDIC Certificate #: 22087
Status: Active
Federal Reserve ID: 189866
Bank Holding Company (Regulatory Top Holder): Franklin Resources, Inc. (RSSDID: 1246216, Location: San Mateo, CA)
Date Established: August 08, 1975
WWW: http://www.ftbank.com
Trust Powers Granted: Yes
Bank Charter Class: Savings associations, state or federal charter, supervised by the Office of Thrift Supervision (OTS)
Offices: 2 (Domestic: 2, Interstate: Yes)
OTS Docket #: 15952
FDIC's unique #: 15337
Numeric code: 33
Regulator: OCC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
FDIC Insured: Yes
Insured Savings Institution: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: No
Subchapter S Corporations: No
Asset Concentration Hierarchy: Consumer Lending Specialization
Date of Deposit Insurance: August 08, 1975
Last Structure Change Effective Date: Febuary 15, 2012
Last Structure Change Process Date: Febuary 15, 2012
Last Data Update: Febuary 15, 2012
Data Source Date: April 05, 2012
Location
Address: 47 West 200 South, Suite 500, Salt Lake City, UT 84101
County: Salt Lake
Quarterly Banking Profile Region: San Francisco
FDIC Geographic Region: San Francisco
FDIC Supervisory Region: New York
FDIC Field Office: Salt Lake City
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: West
Metropolitan Statistical Area (MSA): Salt Lake City-Ogden, UT (#7160)
Combined Statistical Area (CSA): Salt Lake City-Ogden-Clearfield, UT (#482)
Core Based Statistical Area (CBSA): Salt Lake City, UT (#41620)
CBSA Metro Statistical Area: Salt Lake City, UT (#41620)
Financial Summary
Total assets: $315.3 mil
Equity capital: $37.6 mil
Deposits held in domestic offices: $206.5 mil
Return on assets (ROA): 0.80% ($2.5 mil)
Quarterly return on assets: 1.10% ($3.5 mil)
Return on Equity (ROE): 7.20% ($2.7 mil)
Quarterly return on equity: 9.47% ($3.6 mil)
Net income: $2.6 mil
Quarterly Net income: $0.9 mil
Pretax return on assets: 1.31% ($4,130.7 mil)
Quarterly Pretax return on assets: 1.79% ($5,644.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
33Total employees (full-time equivalent)
$315,322Total assets
$29,733Cash and due from depository institutions
$28,133Interest-bearing balances
$70,850Securities
$0Federal funds sold & reverse repurchase agreements
$206,083Net loans & leases
$2,329Loan loss allowance
$0Trading account assets
$54Bank premises and fixed assets
$0Other real estate owned
$0Goodwill and other intangibles
$315,322Life insurance assets
$8,602All other assets
$277,758Total liabilities and capital
$206,486Total liabilities
$190,797Total deposits
$206,486Interest-bearing deposits
$56Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$69,000Trading liabilities
$0Other borrowed funds
$2,272Subordinated debt
$37,564All other liabilities
$37,564Total equity capital
$37,564Total bank equity capital
$9,500Perpetual preferred stock
$4,939Common stock
$11,129Surplus
$11,996Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$2,339Income earned, not collected on loans
$0Earning assets
$842Long-term assets (5+ years)
$305,066Average Assets, year-to-date
$0Average Assets, quarterly
$327,222Volatile liabilities
$322,143Insider loans
$213,811FHLB advances
$313,733Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$36,729Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$46,994Restructured Loans and leases
$4,369Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$14,216Total interest income
$5,510Total interest expense
$8,706Net interest income
$1,693Provision for loan and lease losses
$5,156Total noninterest income
$0Fiduciary activities
$96Service charges on deposit accounts
$0Trading account gains & fees
$5,060Additional noninterest income
$8,230Total noninterest expense
$3,868Salaries and employee benefits
$985Premises and equipment expense
$3,377Additional noninterest expense
$3,939Pre-tax net operating income
$333Securities gains (losses)
$1,646Applicable income taxes
$2,626Income before extraordinary items
$0Extraordinary gains - net
$2,626Net income attributable to bank
$0Net charge-offs
$2,626Cash dividends
$2,371Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
4.50%Yield on earning assets
1.74%Cost of funding earning assets
2.75%Net interest margin
1.63%Noninterest income to earning assets
2.60%Noninterest expense to earning assets
0.74%Net operating income to assets
0.80%Return on assets (ROA)
1.31%Pretax return on assets
7.20%Return on equity (ROE)
7.20%Retained earnings to average equity (YTD only)
1.07%Net charge-offs to loans
71.40%Credit loss provision to net charge-offs
2.38%Efficiency ratio
59,371Assets per employee
9.56%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
1.12%Loss allowance to noncurrent loans
99.57%Noncurrent assets plus other real estate owned to assets
0.74%Noncurrent loans to loans
1.12%Net loans and leases to deposits
99.80%Net loans and leases to core deposits
153.69%Equity capital to assets
11.91%Core capital (leverage) ratio
11.71%Tier 1 risk-based capital ratio
17.18%Total risk-based capital ratio
Memoranda
$18Average assets
$327,222Average earning assets
$36,452Average equity
$316,075Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$485,766Managed Assets
1Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$0Non-managed Assets
3674Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$485,766Other retirement accounts
$218,070Corporate trust and agency accounts
$267,696Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

1 California Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
6	18361	San Mateo Branch	970 Park Place, San Mateo, CA 94403	December 15, 1983	Full Service Brick and Mortar

1 Utah Branch as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	15337	Franklin Templeton Bank And Trust, F.S.b.	47 West 200 South, Suite 500, Salt Lake City, UT 84101	August 08, 1975	Full Service Brick and Mortar

Franklin Templeton Bank and Trust, F.S.B. in Salt Lake City, Utah (UT), CA
Overview, Financial Summary, Detailed Financial Reports, Branches

Franklin Templeton Bank and Trust, F.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Franklin Templeton Bank and Trust, F.S.B. in Salt Lake City, Utah (UT), CAOverview, Financial Summary, Detailed Financial Reports, Branches

Franklin Templeton Bank and Trust, F.S.B. - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

Franklin Templeton Bank and Trust, F.S.B. in Salt Lake City, Utah (UT), CA
Overview, Financial Summary, Detailed Financial Reports, Branches