Call reports 2003
BANK OF FRIO CANYON — 2003
What BANK OF FRIO CANYON reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 29,709,000 | 29,443,000 | 30,540,000 | 30,887,000 |
| Total loans | 15,773,000 | 16,038,000 | 15,758,000 | 16,255,000 |
| Allowance for loan losses | 154,000 | 166,000 | 175,000 | 180,000 |
| Securities available for sale | 4,206,000 | 4,041,000 | 4,364,000 | 3,754,000 |
| Securities held to maturity | 2,268,000 | 2,277,000 | 2,277,000 | 2,396,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,377,000 | 26,055,000 | 27,116,000 | 27,412,000 |
| Interest-bearing deposits | 21,407,000 | 21,040,000 | 22,401,000 | 23,197,000 |
| Noninterest-bearing deposits | 4,970,000 | 5,015,000 | 4,715,000 | 4,215,000 |
| Equity capital | 3,175,000 | 3,251,000 | 3,316,000 | 3,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 387,000 | 776,000 | 1,160,000 | 1,533,000 |
| Interest expense | 89,000 | 180,000 | 268,000 | 360,000 |
| Net interest income | 298,000 | 596,000 | 892,000 | 1,173,000 |
| Noninterest income | 27,000 | 55,000 | 88,000 | 126,000 |
| Noninterest expense | 197,000 | 387,000 | 587,000 | 795,000 |
| Provision for loan losses | 14,000 | 26,000 | 35,000 | 43,000 |
| Pretax income | 114,000 | 238,000 | 358,000 | 461,000 |
| Income tax | 30,000 | 65,000 | 98,000 | 110,000 |
| Net income | 84,000 | 173,000 | 260,000 | 351,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,115,000 | 3,204,000 | 3,291,000 | 3,382,000 |
| Total capital | 3,269,000 | 3,370,000 | 3,466,000 | 3,562,000 |
| Risk-weighted assets | 17,129,000 | 17,165,000 | 34,435,000 | 17,624,000 |