Call reports 2001
FROST STATE BANK — 2001
What FROST STATE BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 10,227,000 | 10,019,000 | 10,608,000 | 11,448,000 |
| Total loans | 5,568,000 | 6,037,000 | 6,695,000 | 7,034,000 |
| Allowance for loan losses | 54,000 | 54,000 | 50,000 | 53,000 |
| Securities available for sale | 1,612,000 | 1,588,000 | 1,687,000 | 1,332,000 |
| Securities held to maturity | 179,000 | 179,000 | 179,000 | 164,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 9,127,000 | 8,870,000 | 9,408,000 | 10,259,000 |
| Interest-bearing deposits | 8,254,000 | 7,959,000 | 8,335,000 | 8,663,000 |
| Noninterest-bearing deposits | 873,000 | 911,000 | 1,073,000 | 1,596,000 |
| Equity capital | 975,000 | 1,004,000 | 1,044,000 | 1,036,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 188,000 | 377,000 | 562,000 | 765,000 |
| Interest expense | 108,000 | 216,000 | 316,000 | 411,000 |
| Net interest income | 80,000 | 161,000 | 246,000 | 354,000 |
| Noninterest income | 6,000 | 13,000 | 21,000 | 30,000 |
| Noninterest expense | 51,000 | 104,000 | 157,000 | 221,000 |
| Provision for loan losses | 0 | 0 | 0 | 40,000 |
| Pretax income | 35,000 | 70,000 | 110,000 | 123,000 |
| Income tax | 8,000 | 17,000 | 26,000 | 24,000 |
| Net income | 27,000 | 53,000 | 84,000 | 99,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 970,000 | 995,000 | 1,025,000 | 1,022,000 |
| Total capital | 1,024,000 | 1,049,000 | 1,075,000 | 1,075,000 |
| Risk-weighted assets | 6,369,000 | 6,828,000 | 7,361,000 | 7,677,000 |