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Franklin BSP Realty Trust, Inc. Announces Third Quarter 2023 Results

2023-10-30 16:15 ET - News Release


NEW YORK -- (Business Wire)

Franklin BSP Realty Trust, Inc. (NYSE: FBRT) (“FBRT” or the “Company”) today announced financial results for the quarter ended September 30, 2023.

Reported GAAP net income of $31.0 million, or $0.30 per diluted common share for the three months ended September 30, 2023, respectively, compared to $39.6 million, or $0.39 per diluted common share for the three months ended June 30, 2023, respectively.

Reported Distributable Earnings (a non-GAAP financial measure) of $42.0 million, or $0.43 per diluted common share on a fully converted basis(1) for the three months ended September 30, 2023, respectively, compared to $63.5 million, or $0.66 per diluted common share on a fully converted basis(1) for the three months ended June 30, 2023, respectively. Distributable Earnings for three months ended June 30, 2023 included approximately $15.0 million, or $0.17 per diluted common share on a fully converted basis, from the sale of the Williamsburg Hotel.

Third Quarter 2023 Summary

  • Produced a third quarter GAAP and Distributable Earnings ROE (a non-GAAP financial measure) of 7.7% and 10.7%, respectively
  • Book value of $15.82 per diluted common share on a fully converted basis(1), a decrease of $0.03 from the prior quarter
  • Declared a third quarter common stock cash dividend of $0.355, representing a 9.0% yield on book value
  • GAAP and Distributable Earnings dividend coverage of 86% and 120%, respectively
  • Closed $153 million of new loan commitments at a weighted average spread of 398 basis points
  • Closed BSPRT 2023-FL10 ("FL10 CRE CLO"), a $897 million managed Commercial Real Estate Collateralized Loan Obligation ("CLO") with an advance rate of 76%, weighted average interest rate of SOFR+229 and an 18 month reinvestment period(2)
  • Total liquidity of $1.8 billion, which includes $411 million in cash and cash equivalents and $25 million in CLO reinvest available
  • Fully disposed of the remaining $122.8 million of ARM Agency Securities and sold a real estate owned office property located in St. Louis, Missouri for $12.0 million

Richard Byrne, Chairman and Chief Executive Officer of FBRT, said, “FBRT is generating a double-digit Distributable Earnings ROE while maintaining a substantial liquidity position. We continue to view our asset allocation of nearly 80% multifamily credits as industry-leading, and that allocation should assist us in successfully navigating what are clearly difficult market conditions.”

Further commenting on the Company's results, Michael Comparato, President of FBRT, added, “We strengthened our balance sheet this quarter, issuing our tenth CRE CLO. We believe that liability structure and liquidity are paramount in times of choppy markets. Also, we continue to actively pursue new originations as the credit quality of our underwriting is currently among the best we've seen in recent years.”

Core portfolio: For the quarter ended September 30, 2023, the Company closed $153 million of new loan commitments and funded $197 million of principal balance on new and existing loans. FBRT received loan repayments of $290 million for a net decrease in our loan portfolio of $92 million in the quarter. The Company's core portfolio at the end of the quarter consisted of 145 loans with an aggregate principal balance of approximately $5.0 billion. The average loan size was approximately $34 million. Over 99% of the aggregate principal balance of FBRT's portfolio is in senior mortgage loans, with approximately 98% in floating rate loans. Approximately 78% of the portfolio is collateralized by multifamily properties. The Company's exposure to office loans is 6%. As of September 30, 2023, the Company had three loans on its watch list (risk rating of four or five). Additionally, subsequent to September 30, 2023, the Company closed $138 million of new loan commitments which consisted of four loans.

Conduit: For the quarter ended September 30, 2023, the Company closed a $17 million fixed rate loan that will be sold through FBRT's conduit program. For the same period, the Company sold $34.3 million of conduit loans for a gain of $0.9 million, gross of related derivatives.

Allowance for credit losses: During the quarter, FBRT recognized an incremental provision for credit losses of approximately $2.4 million.

Financing: On July 17, 2023, the Company called all of the outstanding notes issued by BSPRT 2019-FL5 Issuer, Ltd., a wholly owned indirect subsidiary of the Company. The outstanding principal of the notes on the date of the call was $122.0 million. The Company recognized all the remaining unamortized deferred financing costs of $2.9 million recorded within the Realized gain/(loss) on extinguishment of debt line of the consolidated statements of operations.

On September 28, 2023, the Company closed the $897 million managed FL10 CRE CLO with an 18 month re-investment period, advance rate of 76% and a weighted average interest rate of SOFR+229 before accounting for discount and transaction cost(2).

Book Value

As of September 30, 2023, book value was $15.82 per dilutedcommon share on a fully converted basis(1).

1

 

Fully converted per share information in this press release assumes applicable conversion of the Company's series of outstanding convertible preferred stock into common stock and full vesting of the Company's outstanding equity compensation awards.

2

 

Includes the BSPRT 2023-FL10 AS tranche (~$143 million) that we retained and that was levered to a repo counterparty in conjunction with the CLO closing for ~$104 million of debt

Share Repurchase Program

The Company has a $65 million share repurchase program. The Company did not repurchase any shares of FBRT's common stock during the three months ended September 30, 2023. Subsequent to September 30, 2023, the Company repurchased 137,444 shares of common stock at a weighted average cost of $12.55 per share. As of October 25, 2023, $37.5 million remains available under the $65 million share repurchase program. FBRT's Board of Directors has extended the share repurchase authorization through December 31, 2024.

Subsequent Event

Subsequent to September 30, 2023, the Company foreclosed upon one multifamily property located in Texas. The loan had an amortized cost basis of $12.0 million as of September 30, 2023.

Distributable Earnings and Run-Rate Distributable Earnings

Distributable Earnings is a non-GAAP measure, which the Company defines as GAAP net income (loss), adjusted for (i) non-cash CLO amortization acceleration and amortization over the expected useful life of the Company's CLOs, (ii) unrealized gains and losses on loans, derivatives and ARMs, including CECL reserves and impairments, (iii) non-cash equity compensation expense, (iv) depreciation and amortization, (v) subordinated performance fee accruals/(reversal), (vi) loan workout charges, (vii) realized gains and losses on debt extinguishment and CLO calls, and (viii) certain other non-cash items. Further, Run-Rate Distributable Earnings, a non-GAAP measure, presents Distributable Earnings before trading and derivative gain/loss on ARMs.

The Company believes that Distributable Earnings and Run-Rate Distributable Earnings provide meaningful information to consider in addition to the disclosed GAAP results. The Company believes Distributable Earnings is a useful financial metric for existing and potential future holders of its common stock as historically, over time, Distributable Earnings has been an indicator of dividends per share. As a REIT, the Company generally must distribute annually at least 90% of its taxable income, subject to certain adjustments, and therefore believes dividends are one of the principal reasons stockholders may invest in its common stock. Further, Distributable Earnings helps investors evaluate performance excluding the effects of certain transactions and GAAP adjustments that the Company does not believe are necessarily indicative of current loan portfolio performance and the Company's operations and is one of the performance metrics the Company's board of directors considers when dividends are declared. The Company believes Run-Rate Distributable Earnings is a useful financial metric because it presents the Distributable Earnings of its core businesses, net of the impacts of the realized trading and derivative gain/loss on the residential adjustable-rate mortgage securities acquired from Capstead Mortgage Corporation, which the Company has liquidated from its portfolio.

Distributable Earnings and Run-Rate Distributable Earnings do not represent net income (loss) and should not be considered as an alternative to GAAP net income (loss). The methodology for calculating Distributable Earnings and Run-Rate Distributable Earnings may differ from the methodologies employed by other companies and thus may not be comparable to the Distributable Earnings reported by other companies.

Please refer to the financial statements and reconciliation of GAAP Net Income to Distributable Earnings and Run-Rate Distributable Earnings included at the end of this release for further information.

Supplemental Information

The Company has published a supplemental earnings presentation for the quarter ended September 30, 2023 on its website to provide additional disclosure and financial information. These materials can be found on FBRT’s website at http://www.fbrtreit.com under the Presentations tab.

Conference Call and Webcast

The Company will host a conference call and live audio webcast to discuss its financial results on Tuesday, October 31, 2023, at 9:00 a.m. ET. Participants are encouraged to pre-register for the call and webcast at https://dpregister.com/sreg/10182930/fa8ad39034. If you are unable to pre-register, the conference call may be accessed by dialing (844) 701-1166 (Domestic) or (412) 317-5795 (International). Ask to join the Franklin BSP Realty Trust conference call. Participants should call in at least five minutes prior to the start of the call.

The call will also be accessible via live webcast at https://ccmediaframe.com?id=cLosDJ7M. Please allow extra time prior to the call to download and install audio software, if needed. A slide presentation containing supplemental information may also be accessed through FBRT's website in advance of the call.

An audio replay of the live broadcast will be available approximately one hour after the end of the conference call on FBRT’s website. The replay will be available for 90 days on the Company’s website.

About Franklin BSP Realty Trust, Inc.

Franklin BSP Realty Trust, Inc. (NYSE: FBRT) is a real estate investment trust that originates, acquires and manages a diversified portfolio of commercial real estate debt secured by properties located in the United States. As of September 30, 2023, FBRT had approximately $5.9 billion of assets. FBRT is externally managed by Benefit Street Partners L.L.C., a wholly owned subsidiary of Franklin Resources, Inc. For further information, please visit www.fbrtreit.com.

Forward-Looking Statements

Certain statements included in this press release are forward-looking statements. Those statements include statements regarding the intent, belief or current expectations of the Company and members of our management team, as well as the assumptions on which such statements are based, and generally are identified by the use of words such as "may," "will," "seeks," "anticipates," "believes," "estimates," "expects," "plans," "intends," "should" or similar expressions. Actual results may differ materially from those contemplated by such forward-looking statements. Further, forward-looking statements speak only as of the date they are made, and we undertake no obligation to update or revise forward-looking statements to reflect changed assumptions, the occurrence of unanticipated events or changes to future operating results over time, unless required by law.

The Company's forward-looking statements are subject to various risks and uncertainties. Factors that could cause actual outcomes to differ materially from our forward-looking statements include macroeconomic factors in the United States including inflation, changing interest rates and economic contraction, the extent of any recoveries on delinquent loans, the financial stability of our borrowers and the other, risks and important factors contained and identified in the Company’s filings with the Securities and Exchange Commission (“SEC”), including its Annual Report on Form 10-K for the fiscal year ended December 31, 2022 and its subsequent filings with the SEC, any of which could cause actual results to differ materially from the forward-looking statements. The forward-looking statements included in this communication are made only as of the date hereof.

FRANKLIN BSP REALTY TRUST, INC.
CONSOLIDATED BALANCE SHEETS
(Unaudited, in thousands, except share and per share data)

 

 

September 30,
2023

 

December 31,
2022

ASSETS

 

 

 

Cash and cash equivalents

$

411,437

 

 

$

179,314

 

Restricted cash

 

6,655

 

 

 

11,173

 

Commercial mortgage loans, held for investment, net of allowance for credit losses of
$37,512 and $40,848 as of September 30, 2023 and December 31, 2022, respectively

 

4,913,644

 

 

 

5,228,928

 

Commercial mortgage loans, held for sale, measured at fair value

 

17,000

 

 

 

15,559

 

Real estate securities, trading, measured at fair value (includes pledged assets of
$227,610 as of December 31, 2022)

 

 

 

 

235,728

 

Real estate securities, available for sale, measured at fair value, amortized cost of
$194,171 and $220,635 as of September 30, 2023 and December 31, 2022, respectively
(includes pledged assets of $153,648 and $198,429 as of September 30, 2023 and
December 31, 2022, respectively)

 

193,072

 

 

 

221,025

 

Derivative instruments, measured at fair value

 

35

 

 

 

415

 

Receivable for loan repayment (1)

 

25,937

 

 

 

42,557

 

Accrued interest receivable

 

38,297

 

 

 

34,007

 

Prepaid expenses and other assets

 

17,501

 

 

 

15,795

 

Intangible lease asset, net of amortization

 

43,604

 

 

 

54,831

 

Real estate owned, net of depreciation

 

104,616

 

 

 

127,772

 

Real estate owned, held for sale

 

103,657

 

 

 

36,497

 

Total assets

$

5,875,455

 

 

$

6,203,601

 

LIABILITIES AND STOCKHOLDERS' EQUITY

 

 

 

Collateralized loan obligations

$

3,477,444

 

 

$

3,121,983

 

Repurchase agreements and revolving credit facilities - commercial mortgage loans

 

249,345

 

 

 

680,859

 

Repurchase agreements - real estate securities

 

240,010

 

 

 

440,008

 

Mortgage note payable

 

23,998

 

 

 

23,998

 

Other financings

 

23,669

 

 

 

76,301

 

Unsecured debt

 

81,270

 

 

 

98,695

 

Derivative instruments, measured at fair value

 

258

 

 

 

64

 

Interest payable

 

11,504

 

 

 

12,715

 

Distributions payable

 

36,224

 

 

 

36,317

 

Accounts payable and accrued expenses

 

16,884

 

 

 

17,668

 

Due to affiliates

 

16,836

 

 

 

15,429

 

Intangible lease liability, held for sale

 

12,297

 

 

 

 

Intangible lease liability, net of amortization

 

 

 

 

6,428

 

Total liabilities

$

4,189,739

 

 

$

4,530,465

 

Commitments and Contingencies

 

 

 

Redeemable convertible preferred stock:

 

 

 

Redeemable convertible preferred stock Series H, $0.01 par value, 20,000 authorized
and 17,950 issued and outstanding as of September 30, 2023 and December 31, 2022

$

89,748

 

 

$

89,748

 

Redeemable convertible preferred stock Series I, $0.01 par value, none authorized and
outstanding as of September 30, 2023, 1,000 authorized and 1,000 issued and
outstanding as of December 31, 2022

 

 

 

 

5,000

 

Total redeemable convertible preferred stock

$

89,748

 

 

$

94,748

 

Equity:

 

 

 

Preferred stock, $0.01 par value; 100,000,000 shares authorized, 7.5% Cumulative
Redeemable Preferred Stock, Series E, 10,329,039 shares issued and outstanding as of
September 30, 2023 and December 31, 2022

$

258,742

 

 

$

258,742

 

Common stock, $0.01 par value, 900,000,000 shares authorized, 83,019,881 and
82,992,784 shares issued and outstanding as of September 30, 2023 and December 31,
2022, respectively

 

822

 

 

 

826

 

Additional paid-in capital

 

1,601,282

 

 

 

1,602,247

 

Accumulated other comprehensive income (loss)

 

(1,099

)

 

 

390

 

Accumulated deficit

 

(292,833

)

 

 

(299,225

)

Total stockholders' equity

$

1,566,914

 

 

$

1,562,980

 

Non-controlling interest

 

29,054

 

 

 

15,408

 

Total equity

$

1,595,968

 

 

$

1,578,388

 

Total liabilities, redeemable convertible preferred stock and equity

$

5,875,455

 

 

$

6,203,601

 

______________________________________________________________________

(1)

 

Includes $25.9 million and $42.5 million of cash held by servicer related to the CLOs as of September 30, 2023 and December 31, 2022, respectively. The Company no longer holds a residential mortgage backed securities principal paydown receivable as of September 30, 2023. The Company held a residential mortgage backed securities principal paydown receivable of $0.1 million as of December 31, 2022.

FRANKLIN BSP REALTY TRUST, INC.
CONSOLIDATED STATEMENTS OF OPERATIONS
(In thousands, except share and per share data)
(Unaudited)

 

 

Three Months Ended
September 30,

 

Nine Months Ended
September 30,

 

2023

 

2022

 

2023

 

2022

Income

 

 

 

 

 

 

 

Interest income

$

137,042

 

 

$

94,131

 

 

$

420,470

 

 

$

239,602

 

Less: Interest expense

 

77,973

 

 

 

46,157

 

 

 

224,347

 

 

 

96,262

 

Net interest income

 

59,069

 

 

 

47,974

 

 

 

196,123

 

 

 

143,340

 

Revenue from real estate owned

 

3,317

 

 

 

2,312

 

 

 

13,067

 

 

 

6,936

 

Total income

$

62,386

 

 

$

50,286

 

 

$

209,190

 

 

$

150,276

 

Expenses

 

 

 

 

 

 

 

Asset management and subordinated performance fee

$

7,908

 

 

$

6,430

 

 

$

24,893

 

 

$

19,776

 

Acquisition expenses

 

316

 

 

 

362

 

 

 

977

 

 

 

996

 

Administrative services expenses

 

3,566

 

 

 

3,001

 

 

 

10,993

 

 

 

9,402

 

Professional fees

 

4,153

 

 

 

4,074

 

 

 

11,761

 

 

 

18,287

 

Share-based compensation

 

1,255

 

 

 

669

 

 

 

3,505

 

 

 

1,851

 

Depreciation and amortization

 

1,513

 

 

 

1,295

 

 

 

5,514

 

 

 

3,886

 

Other expenses

 

2,856

 

 

 

1,424

 

 

 

9,323

 

 

 

4,849

 

Total expenses

$

21,567

 

 

$

17,255

 

 

$

66,966

 

 

$

59,047

 

Other income/(loss)

 

 

 

 

 

 

 

(Provision)/benefit for credit losses

$

(2,379

)

 

$

599

 

 

$

(28,363

)

 

$

(30,976

)

Realized gain/(loss) on extinguishment of debt

 

(2,836

)

 

 

 

 

 

2,201

 

 

 

(5,167

)

Realized gain/(loss) on sale of available for sale trading
securities

 

(486

)

 

 

 

 

 

110

 

 

 

 

Realized gain/(loss) on sale of commercial mortgage loans,
held for sale

 

 

 

 

9

 

 

 

 

 

 

48

 

Realized gain/(loss) on sale of commercial mortgage loans,
held for sale, measured at fair value

 

933

 

 

 

4,782

 

 

 

3,027

 

 

 

4,838

 

Unrealized gain/(loss) on commercial mortgage loans, held
for sale, measured at fair value

 

 

 

 

58

 

 

 

44

 

 

 

(3,678

)

Gain/(loss) on other real estate investments

 

(4,112

)

 

 

 

 

 

(7,142

)

 

 

(29

)

Trading gain/(loss)

 

(2,627

)

 

 

(2,744

)

 

 

(605

)

 

 

(113,717

)

Unrealized gain/(loss) on derivatives

 

(183

)

 

 

1,566

 

 

 

(110

)

 

 

(12,824

)

Realized gain/(loss) on derivatives

 

67

 

 

 

(1,624

)

 

 

684

 

 

 

57,599

 

Total other income/(loss)

$

(11,623

)

 

$

2,646

 

 

$

(30,154

)

 

$

(103,906

)

Income/(loss) before taxes

 

29,196

 

 

 

35,677

 

 

 

112,070

 

 

 

(12,677

)

(Provision)/benefit for income tax

 

1,799

 

 

 

(419

)

 

 

2,408

 

 

 

(281

)

Net income/(loss)

$

30,995

 

 

$

35,258

 

 

$

114,478

 

 

$

(12,958

)

Net (income)/loss attributable to non-controlling interest

 

772

 

 

 

 

 

 

722

 

 

 

 

Net income/(loss) attributable to Franklin BSP Realty
Trust, Inc.

$

31,767

 

 

$

35,258

 

 

$

115,200

 

 

$

(12,958

)

Less: Preferred stock dividends

 

6,748

 

 

 

6,899

 

 

 

20,245

 

 

 

34,865

 

Net income/(loss) applicable to common stock

$

25,019

 

 

$

28,359

 

 

$

94,955

 

 

$

(47,823

)

 

 

 

 

 

 

 

 

Basic earnings per share

$

0.30

 

 

$

0.34

 

 

$

1.14

 

 

$

(0.70

)

Diluted earnings per share

$

0.30

 

 

$

0.34

 

 

$

1.14

 

 

$

(0.70

)

Basic weighted average shares outstanding

 

82,210,624

 

 

 

83,665,250

 

 

 

82,410,725

 

 

 

67,965,397

 

Diluted weighted average shares outstanding

 

82,210,624

 

 

 

83,665,250

 

 

 

82,410,725

 

 

 

67,965,397

 

FRANKLIN BSP REALTY TRUST, INC.
|
RECONCILIATION OF GAAP NET INCOME TO DISTRIBUTABLE EARNINGS
(In thousands, except share and per share data)
(Unaudited)

The following table provides a reconciliation of GAAP net income to Distributable Earnings and Run-Rate Distributable Earnings as of the three and nine months ended September 30, 2023 and 2022 (amounts in thousands, except share and per share data):

 

 

Three Months Ended
September 30,

 

Nine Months Ended
September 30,

 

2023

 

2022

 

2023

 

2022

GAAP Net Income (Loss)

$

30,995

 

 

$

35,258

 

 

$

114,478

 

 

$

(12,958

)

Adjustments:

 

 

 

 

 

 

 

CLO amortization acceleration (1)

 

(1,294

)

 

 

(1,226

)

 

 

(3,959

)

 

 

(4,168

)

Unrealized (gain)/loss on financial instruments (2)

 

4,295

 

 

 

(1,624

)

 

 

7,208

 

 

 

16,498

 

Unrealized (gain)/loss - ARMs

 

 

 

 

2,742

 

 

 

415

 

 

 

37,862

 

(Reversal of)/Provision for credit losses

 

2,379

 

 

 

(599

)

 

 

28,363

 

 

 

30,976

 

Non-Cash Compensation Expense

 

1,256

 

 

 

833

 

 

 

3,506

 

 

 

833

 

Depreciation and amortization

 

1,513

 

 

 

1,295

 

 

 

5,514

 

 

 

3,886

 

Subordinated performance fee (3)

 

1,579

 

 

 

(2,461

)

 

 

3,599

 

 

 

(5,917

)

Loan workout charges/(loan workout recoveries) (4)

 

 

 

 

205

 

 

 

(5,105

)

 

 

5,105

 

Realized (gain)/loss on debt extinguishment / CLO call

 

2,836

 

 

 

 

 

 

(2,201

)

 

 

5,167

 

Realized trading and derivatives (gain)/loss on ARMs

 

3,113

 

 

 

(155

)

 

 

677

 

 

 

21,927

 

Run-Rate Distributable Earnings (5)

$

46,672

 

 

$

34,268

 

 

$

152,495

 

 

$

99,211

 

Realized Cash Gain/(Loss) Adjustment on REO

 

(1,571

)

 

 

 

 

 

(1,571

)

 

 

 

Realized trading and derivatives gain/(loss) on ARMs

 

(3,113

)

 

 

155

 

 

 

(677

)

 

 

(21,927

)

Distributable Earnings

$

41,988

 

 

$

34,423

 

 

$

150,247

 

 

$

77,284

 

7.5% Cumulative Redeemable Preferred Stock, Series E Dividend

 

(4,842

)

 

 

(4,842

)

 

 

(14,525

)

 

$

(14,525

)

Noncontrolling interests in joint ventures net income/(loss)

 

(276

)

 

 

 

 

 

(326

)

 

 

 

Depreciation and amortization attributed to noncontrolling interests of
joint ventures

 

772

 

 

 

 

 

 

(15

)

 

 

 

Distributable Earnings to Common

$

37,642

 

 

$

29,581

 

 

$

135,381

 

 

$

62,759

 

Average Common Stock & Common Stock Equivalents

 

1,402,370

 

 

 

1,422,040

 

 

 

1,406,481

 

 

 

1,470,393

 

GAAP Net Income/(Loss) ROE

 

7.7

%

 

 

8.6

%

 

 

7.1

%

 

 

(1.9

)%

Run-Rate Distributable Earnings ROE

 

12.1

%

 

 

8.3

%

 

 

9.8

%

 

 

5.8

%

Distributable Earnings ROE

 

10.7

%

 

 

8.3

%

 

 

9.6

%

 

 

4.3

%

GAAP Net Income/(Loss) Per Share, Diluted

$

0.30

 

 

$

0.34

 

 

$

1.14

 

 

$

(0.70

)

GAAP Net Income/(Loss) Per Share, Fully Converted (6)

$

0.30

 

 

$

0.34

 

 

$

1.12

 

 

$

(0.31

)

Run-Rate Distributable Earnings Per Share, Fully Converted (6)

$

0.48

 

 

$

0.33

 

 

$

1.55

 

 

$

0.94

 

Distributable Earnings Per Share, Fully Converted (6)

$

0.43

 

 

$

0.33

 

 

$

1.53

 

 

$

0.70

 

___________________________________________________________________

(1)

 

Adjusted for non-cash CLO amortization acceleration to effectively amortize issuance costs of our CLOs over the expected lifetime of the CLOs. We assume our CLOs will be outstanding for four years and amortized the financing costs over four years in our distributable earnings as compared to effective yield methodology in our GAAP earnings.

(2)

 

Represents unrealized gains and losses on (i) commercial mortgage loans, held for sale, measured at fair value, (ii) other real estate investments, measured at fair value and (iii) derivatives.

(3)

 

Represents accrued and unpaid subordinated performance fee. In addition, reversal of subordinated performance fee represents cash payments of the subordinated performance fee made during the period.

(4)

 

Represents loan workout charges the Company incurred, which the Company deemed likely to be recovered. Reversal of loan workout charges represent recoveries received. During the second quarter of 2023, the Company recovered $5.1 million of loan workout charges, in aggregate, related to the loan workout charges incurred in the first, second, and third quarters of 2022 amounting to $1.9 million, $3.0 million, and $0.2 million, respectively.

(5)

 

Distributable Earnings before realized trading and derivative gain/loss on residential adjustable-rate mortgage securities (“Run-Rate Distributable Earnings”) (a non-GAAP financial measure).

(6)

 

Fully Converted assumes conversion of our series of convertible preferred stock and full vesting of our outstanding equity compensation awards.

 

Contacts:

Investor Relations Contact:
Lindsey Crabbe
l.crabbe@benefitstreetpartners.com
(214) 874-2339

Source: Franklin BSP Realty Trust, Inc.

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