Call reports 2004
FIRST BANK, ROXTON, TEXAS, THE — 2004
What FIRST BANK, ROXTON, TEXAS, THE 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 | 18,347,000 | 18,900,000 | 18,792,000 | 19,166,000 |
| Total loans | 11,066,000 | 12,235,000 | 12,342,000 | 13,112,000 |
| Allowance for loan losses | 208,000 | 216,000 | 232,000 | 234,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 3,495,000 | 1,994,000 | 1,998,000 | 1,996,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,624,000 | 17,156,000 | 17,012,000 | 17,388,000 |
| Interest-bearing deposits | 13,610,000 | 13,643,000 | 13,595,000 | 13,845,000 |
| Noninterest-bearing deposits | 3,014,000 | 3,513,000 | 3,417,000 | 3,543,000 |
| Equity capital | 1,683,000 | 1,702,000 | 1,724,000 | 1,733,000 |
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 | 285,000 | 588,000 | 894,000 | 1,220,000 |
| Interest expense | 64,000 | 126,000 | 186,000 | 247,000 |
| Net interest income | 221,000 | 462,000 | 708,000 | 973,000 |
| Noninterest income | 77,000 | 161,000 | 261,000 | 360,000 |
| Noninterest expense | 197,000 | 401,000 | 602,000 | 817,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 55,000 |
| Pretax income | 86,000 | 192,000 | 322,000 | 461,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 86,000 | 192,000 | 322,000 | 461,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,683,000 | 1,702,000 | 1,724,000 | 1,733,000 |
| Total capital | 1,823,000 | 1,855,000 | 1,876,000 | 1,893,000 |
| Risk-weighted assets | 11,133,000 | 12,145,000 | 12,115,000 | 12,731,000 |