Call reports 2005
FROST STATE BANK — 2005
What FROST STATE 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 | 16,433,000 | 17,271,000 | 17,964,000 | 18,999,000 |
| Total loans | 11,411,000 | 12,902,000 | 13,047,000 | 12,790,000 |
| Allowance for loan losses | 137,000 | 137,000 | 137,000 | 163,000 |
| Securities available for sale | 2,040,000 | 2,063,000 | 2,043,000 | 2,195,000 |
| Securities held to maturity | 11,000 | 11,000 | 11,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 14,873,000 | 15,176,000 | 16,221,000 | 17,271,000 |
| Interest-bearing deposits | 13,881,000 | 13,979,000 | 14,614,000 | 15,152,000 |
| Noninterest-bearing deposits | 992,000 | 1,198,000 | 1,607,000 | 2,119,000 |
| Equity capital | 1,457,000 | 1,482,000 | 1,561,000 | 1,569,000 |
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 | 218,000 | 451,000 | 710,000 | 984,000 |
| Interest expense | 83,000 | 188,000 | 298,000 | 423,000 |
| Net interest income | 135,000 | 227,000 | 412,000 | 561,000 |
| Noninterest income | 18,000 | 36,000 | 58,000 | 80,000 |
| Noninterest expense | 65,000 | 133,000 | 209,000 | 341,000 |
| Provision for loan losses | 0 | 0 | 0 | 25,000 |
| Pretax income | 88,000 | 130,000 | 261,000 | 275,000 |
| Income tax | 23,000 | 48,000 | 93,000 | 93,000 |
| Net income | 65,000 | 82,000 | 168,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,476,000 | 1,496,000 | 1,579,000 | 1,591,000 |
| Total capital | 1,613,000 | 1,633,000 | 1,716,000 | 1,754,000 |
| Risk-weighted assets | 11,905,000 | 13,280,000 | 13,607,000 | 13,508,000 |
Machine access — free, no API key
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