Call reports 2007
FROST STATE BANK — 2007
What FROST STATE BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 21,911,000 | 22,517,000 | 22,853,000 | 23,157,000 |
| Total loans | 15,870,000 | 16,758,000 | 17,999,000 | 16,702,000 |
| Allowance for loan losses | 202,000 | 203,000 | 218,000 | 223,000 |
| Securities available for sale | 1,735,000 | 1,713,000 | 1,520,000 | 1,105,000 |
| Securities held to maturity | 1,001,000 | 1,040,000 | 1,120,000 | 988,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,889,000 | 20,359,000 | 20,035,000 | 20,876,000 |
| Interest-bearing deposits | 18,094,000 | 19,019,000 | 18,820,000 | 19,220,000 |
| Noninterest-bearing deposits | 1,795,000 | 1,340,000 | 1,215,000 | 1,656,000 |
| Equity capital | 1,827,000 | 1,900,000 | 1,972,000 | 1,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 357,000 | 748,000 | 1,157,000 | 1,561,000 |
| Interest expense | 200,000 | 417,000 | 642,000 | 869,000 |
| Net interest income | 157,000 | 331,000 | 515,000 | 692,000 |
| Noninterest income | 19,000 | 42,000 | 67,000 | 90,000 |
| Noninterest expense | 84,000 | 167,000 | 253,000 | 368,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 50,000 |
| Pretax income | 92,000 | 206,000 | 309,000 | 364,000 |
| Income tax | 32,000 | 73,000 | 110,000 | 127,000 |
| Net income | 60,000 | 133,000 | 199,000 | 237,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,837,000 | 1,910,000 | 1,976,000 | 1,989,000 |
| Total capital | 2,039,000 | 2,113,000 | 2,194,000 | 2,212,000 |
| Risk-weighted assets | 16,633,000 | 17,567,000 | 18,689,000 | 17,652,000 |
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