Call reports 2013
FROST STATE BANK — 2013
What FROST STATE BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 38,370,000 | 37,718,000 | 38,407,000 | 41,076,000 |
| Total loans | 35,136,000 | 34,152,000 | 34,779,000 | 36,431,000 |
| Allowance for loan losses | 321,000 | 374,000 | 375,000 | 431,000 |
| Securities available for sale | 1,161,000 | 1,146,000 | 1,151,000 | 1,151,000 |
| Securities held to maturity | 551,000 | 548,000 | 546,000 | 284,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,633,000 | 33,265,000 | 33,789,000 | 36,651,000 |
| Interest-bearing deposits | 30,383,000 | 30,581,000 | 31,133,000 | 31,503,000 |
| Noninterest-bearing deposits | 3,250,000 | 2,684,000 | 2,656,000 | 5,148,000 |
| Equity capital | 3,823,000 | 3,964,000 | 4,121,000 | 4,207,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 463,000 | 946,000 | 1,418,000 | 1,896,000 |
| Interest expense | 89,000 | 181,000 | 269,000 | 357,000 |
| Net interest income | 374,000 | 765,000 | 1,149,000 | 1,539,000 |
| Noninterest income | 27,000 | 58,000 | 92,000 | 122,000 |
| Noninterest expense | 150,000 | 284,000 | 450,000 | 673,000 |
| Provision for loan losses | 0 | 50,000 | 50,000 | 100,000 |
| Pretax income | 251,000 | 489,000 | 741,000 | 888,000 |
| Income tax | 105,000 | 193,000 | 294,000 | 354,000 |
| Net income | 146,000 | 296,000 | 447,000 | 534,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,814,000 | 3,964,000 | 4,116,000 | 4,202,000 |
| Total capital | 4,135,000 | 4,338,000 | 4,491,000 | 4,633,000 |
| Risk-weighted assets | 34,772,000 | 33,870,000 | 34,519,000 | 35,794,000 |
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