Call reports 2005
FANNIN BANK — 2005
What FANNIN BANK 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 | 42,873,000 | 43,379,000 | 47,266,000 | 48,218,000 |
| Total loans | 27,425,000 | 27,455,000 | 27,511,000 | 27,331,000 |
| Allowance for loan losses | 313,000 | 309,000 | 309,000 | 301,000 |
| Securities available for sale | 10,884,000 | 11,822,000 | 12,810,000 | 15,707,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 38,037,000 | 37,149,000 | 42,874,000 | 43,924,000 |
| Interest-bearing deposits | 31,547,000 | 30,380,000 | 35,735,000 | 37,125,000 |
| Noninterest-bearing deposits | 6,490,000 | 6,769,000 | 7,139,000 | 6,799,000 |
| Equity capital | 2,771,000 | 3,752,000 | 3,746,000 | 3,713,000 |
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 | 560,000 | 1,153,000 | 1,795,000 | 2,479,000 |
| Interest expense | 138,000 | 282,000 | 447,000 | 653,000 |
| Net interest income | 422,000 | 871,000 | 1,348,000 | 1,826,000 |
| Noninterest income | 180,000 | 355,000 | 524,000 | 686,000 |
| Noninterest expense | 482,000 | 991,000 | 1,491,000 | 1,995,000 |
| Provision for loan losses | 8,000 | 15,000 | 23,000 | 30,000 |
| Pretax income | 119,000 | 227,000 | 365,000 | 491,000 |
| Income tax | 2,000 | 9,000 | 10,000 | 13,000 |
| Net income | 117,000 | 218,000 | 355,000 | 478,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,983,000 | 3,874,000 | 3,939,000 | 3,995,000 |
| Total capital | 3,296,000 | 4,183,000 | 4,248,000 | 4,296,000 |
| Risk-weighted assets | 26,915,000 | 27,084,000 | 27,816,000 | 27,811,000 |