Call reports 2012
FROST STATE BANK — 2012
What FROST STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 32,357,000 | 33,983,000 | 35,005,000 | 37,877,000 |
| Total loans | 28,775,000 | 30,154,000 | 29,677,000 | 34,034,000 |
| Allowance for loan losses | 320,000 | 305,000 | 343,000 | 321,000 |
| Securities available for sale | 903,000 | 983,000 | 986,000 | 1,032,000 |
| Securities held to maturity | 766,000 | 669,000 | 666,000 | 574,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 28,643,000 | 30,162,000 | 31,018,000 | 32,579,000 |
| Interest-bearing deposits | 25,358,000 | 27,219,000 | 28,079,000 | 28,201,000 |
| Noninterest-bearing deposits | 3,285,000 | 2,943,000 | 2,939,000 | 4,378,000 |
| Equity capital | 3,451,000 | 3,595,000 | 3,726,000 | 3,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 418,000 | 842,000 | 1,283,000 | 1,709,000 |
| Interest expense | 92,000 | 187,000 | 278,000 | 368,000 |
| Net interest income | 326,000 | 655,000 | 1,005,000 | 1,341,000 |
| Noninterest income | 25,000 | 54,000 | 86,000 | 108,000 |
| Noninterest expense | 124,000 | 240,000 | 372,000 | 562,000 |
| Provision for loan losses | 0 | 0 | 50,000 | 50,000 |
| Pretax income | 227,000 | 469,000 | 669,000 | 837,000 |
| Income tax | 88,000 | 190,000 | 260,000 | 329,000 |
| Net income | 139,000 | 279,000 | 409,000 | 508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,445,000 | 3,586,000 | 3,715,000 | 3,664,000 |
| Total capital | 3,765,000 | 3,891,000 | 4,058,000 | 3,985,000 |
| Risk-weighted assets | 28,912,000 | 29,538,000 | 29,444,000 | 33,593,000 |