Call reports 2005
FIRST BANK, ROXTON, TEXAS, THE — 2005
What FIRST BANK, ROXTON, TEXAS, THE 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 | 19,943,000 | 20,008,000 | 20,445,000 | 20,691,000 |
| Total loans | 13,718,000 | 14,319,000 | 14,109,000 | 13,421,000 |
| Allowance for loan losses | 263,000 | 273,000 | 274,000 | 245,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,996,000 | 1,997,000 | 1,998,000 | 2,000,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 18,259,000 | 18,254,000 | 18,657,000 | 18,883,000 |
| Interest-bearing deposits | 14,832,000 | 14,830,000 | 15,152,000 | 15,309,000 |
| Noninterest-bearing deposits | 3,427,000 | 3,424,000 | 3,505,000 | 3,574,000 |
| Equity capital | 1,631,000 | 1,689,000 | 1,702,000 | 1,731,000 |
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 | 339,000 | 697,000 | 1,077,000 | 1,471,000 |
| Interest expense | 70,000 | 151,000 | 242,000 | 339,000 |
| Net interest income | 269,000 | 546,000 | 835,000 | 1,132,000 |
| Noninterest income | 83,000 | 163,000 | 251,000 | 335,000 |
| Noninterest expense | 215,000 | 438,000 | 676,000 | 893,000 |
| Provision for loan losses | 108,000 | 126,000 | 144,000 | 162,000 |
| Pretax income | 29,000 | 145,000 | 266,000 | 412,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 29,000 | 145,000 | 266,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,631,000 | 1,689,000 | 1,702,000 | 1,731,000 |
| Total capital | 1,798,000 | 1,860,000 | 1,873,000 | 1,895,000 |
| Risk-weighted assets | 13,256,000 | 13,612,000 | 13,580,000 | 13,018,000 |