Call reports 2010
FROST STATE BANK — 2010
What FROST STATE BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 26,939,000 | 30,505,000 | 29,798,000 | 31,099,000 |
| Total loans | 22,826,000 | 26,339,000 | 25,978,000 | 26,256,000 |
| Allowance for loan losses | 269,000 | 294,000 | 294,000 | 358,000 |
| Securities available for sale | 298,000 | 148,000 | 148,000 | 147,000 |
| Securities held to maturity | 1,112,000 | 1,181,000 | 1,180,000 | 1,028,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,120,000 | 27,061,000 | 26,583,000 | 27,875,000 |
| Interest-bearing deposits | 22,095,000 | 24,368,000 | 24,993,000 | 24,778,000 |
| Noninterest-bearing deposits | 2,025,000 | 2,693,000 | 1,590,000 | 3,097,000 |
| Equity capital | 2,560,000 | 2,682,000 | 2,816,000 | 2,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 377,000 | 785,000 | 1,261,000 | 1,689,000 |
| Interest expense | 127,000 | 253,000 | 382,000 | 506,000 |
| Net interest income | 250,000 | 532,000 | 879,000 | 1,183,000 |
| Noninterest income | 39,000 | 88,000 | 130,000 | 161,000 |
| Noninterest expense | 110,000 | 219,000 | 339,000 | 507,000 |
| Provision for loan losses | 25,000 | 50,000 | 100,000 | 175,000 |
| Pretax income | 154,000 | 351,000 | 570,000 | 660,000 |
| Income tax | 58,000 | 134,000 | 219,000 | 256,000 |
| Net income | 96,000 | 217,000 | 351,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,558,000 | 2,680,000 | 2,814,000 | 2,867,000 |
| Total capital | 2,827,000 | 2,974,000 | 3,108,000 | 3,203,000 |
| Risk-weighted assets | 23,146,000 | 26,716,000 | 26,548,000 | 26,822,000 |
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