Call reports 2003
FROST STATE BANK — 2003
What FROST STATE BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 13,304,000 | 13,920,000 | 14,453,000 | 14,963,000 |
| Total loans | 9,461,000 | 9,685,000 | 9,112,000 | 9,998,000 |
| Allowance for loan losses | 110,000 | 123,000 | 132,000 | 142,000 |
| Securities available for sale | 1,040,000 | 1,145,000 | 963,000 | 1,387,000 |
| Securities held to maturity | 13,000 | 13,000 | 12,000 | 12,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 11,891,000 | 12,525,000 | 13,010,000 | 13,062,000 |
| Interest-bearing deposits | 10,953,000 | 11,395,000 | 11,620,000 | 11,353,000 |
| Noninterest-bearing deposits | 938,000 | 1,130,000 | 1,390,000 | 1,709,000 |
| Equity capital | 1,193,000 | 1,230,000 | 1,262,000 | 1,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 187,000 | 384,000 | 571,000 | 752,000 |
| Interest expense | 74,000 | 150,000 | 220,000 | 287,000 |
| Net interest income | 113,000 | 234,000 | 351,000 | 465,000 |
| Noninterest income | 12,000 | 27,000 | 41,000 | 58,000 |
| Noninterest expense | 62,000 | 122,000 | 180,000 | 311,000 |
| Provision for loan losses | 10,000 | 25,000 | 40,000 | 50,000 |
| Pretax income | 53,000 | 114,000 | 170,000 | 160,000 |
| Income tax | 18,000 | 40,000 | 59,000 | 48,000 |
| Net income | 35,000 | 74,000 | 111,000 | 112,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,170,000 | 1,209,000 | 1,246,000 | 1,247,000 |
| Total capital | 1,280,000 | 1,332,000 | 1,378,000 | 1,389,000 |
| Risk-weighted assets | 9,802,000 | 10,164,000 | 9,849,000 | 10,664,000 |
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