Call reports 2011
FROST STATE BANK — 2011
What FROST STATE BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,136,000 | 30,792,000 | 31,052,000 | 32,054,000 |
| Total loans | 27,374,000 | 26,048,000 | 26,718,000 | 28,158,000 |
| Allowance for loan losses | 325,000 | 325,000 | 325,000 | 318,000 |
| Securities available for sale | 117,000 | 390,000 | 475,000 | 631,000 |
| Securities held to maturity | 1,222,000 | 1,149,000 | 1,147,000 | 1,079,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,966,000 | 27,536,000 | 27,607,000 | 27,659,000 |
| Interest-bearing deposits | 25,405,000 | 25,681,000 | 24,789,000 | 24,569,000 |
| Noninterest-bearing deposits | 2,561,000 | 1,855,000 | 2,818,000 | 3,090,000 |
| Equity capital | 2,939,000 | 3,077,000 | 3,220,000 | 3,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 410,000 | 833,000 | 1,263,000 | 1,663,000 |
| Interest expense | 112,000 | 220,000 | 327,000 | 424,000 |
| Net interest income | 298,000 | 613,000 | 936,000 | 1,239,000 |
| Noninterest income | 28,000 | 57,000 | 89,000 | 117,000 |
| Noninterest expense | 112,000 | 233,000 | 355,000 | 547,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 100,000 |
| Pretax income | 114,000 | 337,000 | 570,000 | 709,000 |
| Income tax | 42,000 | 128,000 | 223,000 | 269,000 |
| Net income | 72,000 | 209,000 | 347,000 | 440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,938,000 | 3,075,000 | 3,214,000 | 3,307,000 |
| Total capital | 3,263,000 | 3,400,000 | 3,539,000 | 3,625,000 |
| Risk-weighted assets | 27,685,000 | 26,495,000 | 27,138,000 | 28,338,000 |
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