Call reports 2004
FROST STATE BANK — 2004
What FROST STATE 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 | 15,225,000 | 15,735,000 | 16,625,000 | 16,906,000 |
| Total loans | 10,269,000 | 10,981,000 | 11,237,000 | 11,385,000 |
| Allowance for loan losses | 142,000 | 136,000 | 136,000 | 137,000 |
| Securities available for sale | 1,602,000 | 1,813,000 | 1,811,000 | 1,818,000 |
| Securities held to maturity | 12,000 | 12,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 13,827,000 | 14,250,000 | 15,088,000 | 15,392,000 |
| Interest-bearing deposits | 12,444,000 | 12,763,000 | 13,619,000 | 13,963,000 |
| Noninterest-bearing deposits | 1,383,000 | 1,487,000 | 1,469,000 | 1,429,000 |
| Equity capital | 1,296,000 | 1,327,000 | 1,393,000 | 1,405,000 |
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 | 186,000 | 384,000 | 595,000 | 808,000 |
| Interest expense | 66,000 | 136,000 | 216,000 | 296,000 |
| Net interest income | 120,000 | 248,000 | 379,000 | 512,000 |
| Noninterest income | 17,000 | 34,000 | 50,000 | 68,000 |
| Noninterest expense | 66,000 | 133,000 | 196,000 | 310,000 |
| Provision for loan losses | 0 | 0 | 0 | 20,000 |
| Pretax income | 71,000 | 149,000 | 233,000 | 247,000 |
| Income tax | 28,000 | 53,000 | 83,000 | 83,000 |
| Net income | 43,000 | 96,000 | 150,000 | 164,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,287,000 | 1,339,000 | 1,393,000 | 1,408,000 |
| Total capital | 1,429,000 | 1,475,000 | 1,529,000 | 1,545,000 |
| Risk-weighted assets | 10,956,000 | 11,463,000 | 11,842,000 | 11,983,000 |
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