Call reports 2002
BANK OF FRIO CANYON — 2002
What BANK OF FRIO CANYON reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 27,497,000 | 27,627,000 | 27,359,000 | 27,373,000 |
| Total loans | 13,713,000 | 14,434,000 | 14,973,000 | 15,145,000 |
| Allowance for loan losses | 138,000 | 97,000 | 91,000 | 141,000 |
| Securities available for sale | 5,418,000 | 5,835,000 | 5,105,000 | 4,914,000 |
| Securities held to maturity | 2,319,000 | 2,319,000 | 2,468,000 | 2,468,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,345,000 | 24,342,000 | 23,968,000 | 23,956,000 |
| Interest-bearing deposits | 20,084,000 | 19,308,000 | 19,791,000 | 20,077,000 |
| Noninterest-bearing deposits | 4,261,000 | 5,034,000 | 4,177,000 | 3,879,000 |
| Equity capital | 2,987,000 | 3,125,000 | 3,242,000 | 3,291,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 401,000 | 798,000 | 1,196,000 | 1,594,000 |
| Interest expense | 138,000 | 243,000 | 342,000 | 436,000 |
| Net interest income | 263,000 | 555,000 | 854,000 | 1,158,000 |
| Noninterest income | 23,000 | 56,000 | 82,000 | 119,000 |
| Noninterest expense | 182,000 | 361,000 | 543,000 | 743,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 72,000 |
| Pretax income | 97,000 | 235,000 | 371,000 | 462,000 |
| Income tax | 33,000 | 61,000 | 98,000 | 134,000 |
| Net income | 64,000 | 174,000 | 273,000 | 328,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,952,000 | 3,062,000 | 3,160,000 | 3,216,000 |
| Total capital | 3,090,000 | 3,159,000 | 3,251,000 | 3,357,000 |
| Risk-weighted assets | 15,598,000 | 15,851,000 | 16,105,000 | 16,175,000 |