Call reports 2008
FROST STATE BANK — 2008
What FROST STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 24,300,000 | 24,658,000 | 24,817,000 | 27,290,000 |
| Total loans | 17,408,000 | 19,064,000 | 19,618,000 | 20,101,000 |
| Allowance for loan losses | 187,000 | 187,000 | 187,000 | 209,000 |
| Securities available for sale | 810,000 | 605,000 | 553,000 | 549,000 |
| Securities held to maturity | 991,000 | 1,092,000 | 1,091,000 | 1,209,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,049,000 | 21,763,000 | 22,380,000 | 24,863,000 |
| Interest-bearing deposits | 20,620,000 | 20,015,000 | 20,361,000 | 21,345,000 |
| Noninterest-bearing deposits | 1,429,000 | 1,748,000 | 2,019,000 | 3,518,000 |
| Equity capital | 2,028,000 | 2,094,000 | 2,170,000 | 2,199,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 769,000 | 1,167,000 | 1,553,000 |
| Interest expense | 224,000 | 434,000 | 641,000 | 847,000 |
| Net interest income | 155,000 | 335,000 | 526,000 | 706,000 |
| Noninterest income | 17,000 | 41,000 | 75,000 | 102,000 |
| Noninterest expense | 96,000 | 191,000 | 291,000 | 410,000 |
| Provision for loan losses | 25,000 | 25,000 | 25,000 | 75,000 |
| Pretax income | 51,000 | 160,000 | 285,000 | 323,000 |
| Income tax | 14,000 | 54,000 | 100,000 | 111,000 |
| Net income | 37,000 | 106,000 | 185,000 | 212,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,024,000 | 2,092,000 | 2,170,000 | 2,199,000 |
| Total capital | 2,211,000 | 2,279,000 | 2,357,000 | 2,408,000 |
| Risk-weighted assets | 18,484,000 | 19,816,000 | 20,170,000 | 21,012,000 |
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