Call reports 2002
FROST STATE BANK — 2002
What FROST STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 11,915,000 | 12,056,000 | 12,613,000 | 12,979,000 |
| Total loans | 7,895,000 | 8,692,000 | 8,753,000 | 8,535,000 |
| Allowance for loan losses | 68,000 | 66,000 | 85,000 | 100,000 |
| Securities available for sale | 998,000 | 1,133,000 | 1,054,000 | 1,041,000 |
| Securities held to maturity | 163,000 | 13,000 | 13,000 | 13,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 10,760,000 | 10,321,000 | 11,327,000 | 11,699,000 |
| Interest-bearing deposits | 9,518,000 | 9,404,000 | 9,976,000 | 10,722,000 |
| Noninterest-bearing deposits | 1,242,000 | 917,000 | 1,351,000 | 977,000 |
| Equity capital | 1,049,000 | 1,097,000 | 1,143,000 | 1,155,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 185,000 | 374,000 | 572,000 | 771,000 |
| Interest expense | 85,000 | 166,000 | 252,000 | 334,000 |
| Net interest income | 100,000 | 208,000 | 320,000 | 437,000 |
| Noninterest income | 8,000 | 16,000 | 25,000 | 37,000 |
| Noninterest expense | 60,000 | 118,000 | 173,000 | 284,000 |
| Provision for loan losses | 15,000 | 15,000 | 15,000 | 30,000 |
| Pretax income | 34,000 | 92,000 | 158,000 | 161,000 |
| Income tax | 10,000 | 27,000 | 53,000 | 44,000 |
| Net income | 24,000 | 65,000 | 105,000 | 117,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,042,000 | 1,083,000 | 1,123,000 | 1,135,000 |
| Total capital | 1,110,000 | 1,149,000 | 1,208,000 | 1,235,000 |
| Risk-weighted assets | 8,522,000 | 9,089,000 | 9,241,000 | 9,282,000 |