Call reports 2004
BANK OF FRIO CANYON — 2004
What BANK OF FRIO CANYON reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 33,760,000 | 31,835,000 | 33,545,000 | 31,687,000 |
| Total loans | 16,034,000 | 15,894,000 | 15,526,000 | 15,540,000 |
| Allowance for loan losses | 187,000 | 202,000 | 185,000 | 191,000 |
| Securities available for sale | 3,732,000 | 6,560,000 | 6,544,000 | 6,957,000 |
| Securities held to maturity | 2,376,000 | 2,375,000 | 2,175,000 | 2,174,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,363,000 | 28,416,000 | 30,030,000 | 28,136,000 |
| Interest-bearing deposits | 25,791,000 | 22,890,000 | 23,965,000 | 23,841,000 |
| Noninterest-bearing deposits | 4,572,000 | 5,526,000 | 6,065,000 | 4,295,000 |
| Equity capital | 3,281,000 | 3,311,000 | 3,404,000 | 3,457,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 369,000 | 740,000 | 1,109,000 | 1,478,000 |
| Interest expense | 96,000 | 190,000 | 279,000 | 367,000 |
| Net interest income | 273,000 | 550,000 | 830,000 | 1,111,000 |
| Noninterest income | 31,000 | 65,000 | 94,000 | 132,000 |
| Noninterest expense | 210,000 | 410,000 | 621,000 | 827,000 |
| Provision for loan losses | 7,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 87,000 | 190,000 | 281,000 | 386,000 |
| Income tax | 20,000 | 45,000 | 67,000 | 99,000 |
| Net income | 67,000 | 145,000 | 214,000 | 287,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,264,000 | 3,342,000 | 3,411,000 | 3,484,000 |
| Total capital | 3,451,000 | 3,544,000 | 3,596,000 | 3,675,000 |
| Risk-weighted assets | 17,967,000 | 17,579,000 | 17,433,000 | 16,698,000 |