Call reports 2006
FROST STATE BANK — 2006
What FROST STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 18,959,000 | 19,773,000 | 19,964,000 | 21,752,000 |
| Total loans | 14,054,000 | 14,816,000 | 14,880,000 | 14,597,000 |
| Allowance for loan losses | 153,000 | 183,000 | 177,000 | 202,000 |
| Securities available for sale | 2,128,000 | 1,997,000 | 2,009,000 | 1,797,000 |
| Securities held to maturity | 763,000 | 493,000 | 493,000 | 774,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 16,844,000 | 17,931,000 | 18,014,000 | 19,792,000 |
| Interest-bearing deposits | 15,269,000 | 16,578,000 | 16,832,000 | 17,485,000 |
| Noninterest-bearing deposits | 1,575,000 | 1,353,000 | 1,182,000 | 2,307,000 |
| Equity capital | 1,629,000 | 1,666,000 | 1,738,000 | 1,765,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 285,000 | 598,000 | 931,000 | 1,259,000 |
| Interest expense | 144,000 | 307,000 | 493,000 | 688,000 |
| Net interest income | 141,000 | 291,000 | 438,000 | 571,000 |
| Noninterest income | 21,000 | 47,000 | 69,000 | 87,000 |
| Noninterest expense | 73,000 | 150,000 | 226,000 | 326,000 |
| Provision for loan losses | 0 | 30,000 | 30,000 | 55,000 |
| Pretax income | 89,000 | 158,000 | 251,000 | 277,000 |
| Income tax | 23,000 | 53,000 | 86,000 | 89,000 |
| Net income | 66,000 | 105,000 | 165,000 | 188,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,657,000 | 1,696,000 | 1,756,000 | 1,779,000 |
| Total capital | 1,810,000 | 1,879,000 | 1,933,000 | 1,981,000 |
| Risk-weighted assets | 14,487,000 | 15,243,000 | 15,376,000 | 15,412,000 |
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