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. 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
  • NoIDNameAddressEstablishedService TypeMap
    618361San Mateo Branch970 Park Place, San Mateo, CA 94403December 15, 1983Full Service Brick and Mortar
  • 1 Utah Branch as of April 05, 2012
  • NoIDNameAddressEstablishedService TypeMap
    015337Franklin Templeton Bank And Trust, F.S.b.47 West 200 South, Suite 500, Salt Lake City, UT 84101August 08, 1975Full Service Brick and Mortar

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