Call reports 2004
FANNIN BANK — 2004
What FANNIN BANK 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 | 43,419,000 | 42,499,000 | 42,915,000 | 45,429,000 |
| Total loans | 28,471,000 | 28,259,000 | 28,069,000 | 27,645,000 |
| Allowance for loan losses | 310,000 | 324,000 | 333,000 | 339,000 |
| Securities available for sale | 11,026,000 | 10,301,000 | 10,320,000 | 10,506,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,558,000 | 36,723,000 | 37,744,000 | 40,531,000 |
| Interest-bearing deposits | 31,491,000 | 30,660,000 | 31,792,000 | 34,016,000 |
| Noninterest-bearing deposits | 6,066,000 | 6,063,000 | 5,952,000 | 6,515,000 |
| Equity capital | 2,851,000 | 2,571,000 | 2,856,000 | 2,877,000 |
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 | 578,000 | 1,148,000 | 1,706,000 | 2,276,000 |
| Interest expense | 120,000 | 237,000 | 361,000 | 482,000 |
| Net interest income | 458,000 | 911,000 | 1,345,000 | 1,794,000 |
| Noninterest income | 171,000 | 353,000 | 552,000 | 776,000 |
| Noninterest expense | 495,000 | 984,000 | 1,519,000 | 2,068,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 50,000 |
| Pretax income | 123,000 | 254,000 | 338,000 | 457,000 |
| Income tax | 0 | 7,000 | 2,000 | 5,000 |
| Net income | 123,000 | 247,000 | 336,000 | 452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,754,000 | 2,843,000 | 2,864,000 | 2,920,000 |
| Total capital | 3,064,000 | 3,167,000 | 3,197,000 | 3,259,000 |
| Risk-weighted assets | 27,789,000 | 27,630,000 | 27,349,000 | 27,636,000 |