Call reports 2005
BANK OF FRIO CANYON — 2005
What BANK OF FRIO CANYON reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 32,141,000 | 31,340,000 | 32,059,000 | 30,311,000 |
| Total loans | 15,026,000 | 15,211,000 | 14,325,000 | 14,123,000 |
| Allowance for loan losses | 193,000 | 200,000 | 195,000 | 201,000 |
| Securities available for sale | 6,854,000 | 8,295,000 | 8,221,000 | 10,146,000 |
| Securities held to maturity | 2,069,000 | 2,070,000 | 1,870,000 | 2,276,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,679,000 | 27,814,000 | 28,478,000 | 26,702,000 |
| Interest-bearing deposits | 24,381,000 | 21,969,000 | 22,363,000 | 21,380,000 |
| Noninterest-bearing deposits | 4,298,000 | 5,845,000 | 6,115,000 | 5,322,000 |
| Equity capital | 3,342,000 | 3,429,000 | 3,471,000 | 3,517,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 381,000 | 770,000 | 1,170,000 | 1,572,000 |
| Interest expense | 92,000 | 185,000 | 296,000 | 405,000 |
| Net interest income | 289,000 | 585,000 | 874,000 | 1,167,000 |
| Noninterest income | 27,000 | 57,000 | 84,000 | 128,000 |
| Noninterest expense | 213,000 | 426,000 | 644,000 | 870,000 |
| Provision for loan losses | 8,000 | 15,000 | 22,000 | 30,000 |
| Pretax income | 95,000 | 201,000 | 292,000 | 395,000 |
| Income tax | 25,000 | 52,000 | 77,000 | 106,000 |
| Net income | 70,000 | 149,000 | 215,000 | 289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,406,000 | 3,485,000 | 3,551,000 | 3,625,000 |
| Total capital | 3,599,000 | 3,685,000 | 3,730,000 | 3,795,000 |
| Risk-weighted assets | 16,419,000 | 16,348,000 | 14,330,000 | 13,577,000 |