Call reports 2014
FROST STATE BANK — 2014
What FROST STATE BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 40,018,000 | 39,881,000 | 41,638,000 | 44,487,000 |
| Total loans | 36,165,000 | 36,286,000 | 38,469,000 | 38,459,000 |
| Allowance for loan losses | 491,000 | 422,000 | 476,000 | 526,000 |
| Securities available for sale | 1,190,000 | 1,289,000 | 1,285,000 | 1,280,000 |
| Securities held to maturity | 128,000 | 127,000 | 126,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,395,000 | 34,860,000 | 36,632,000 | 39,488,000 |
| Interest-bearing deposits | 31,984,000 | 32,016,000 | 34,078,000 | 35,048,000 |
| Noninterest-bearing deposits | 3,411,000 | 2,844,000 | 2,554,000 | 4,440,000 |
| Equity capital | 4,338,000 | 4,495,000 | 4,659,000 | 4,781,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 469,000 | 952,000 | 1,466,000 | 1,991,000 |
| Interest expense | 86,000 | 176,000 | 272,000 | 368,000 |
| Net interest income | 383,000 | 776,000 | 1,194,000 | 1,623,000 |
| Noninterest income | 31,000 | 67,000 | 108,000 | 148,000 |
| Noninterest expense | 136,000 | 287,000 | 421,000 | 628,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 200,000 |
| Pretax income | 228,000 | 456,000 | 731,000 | 943,000 |
| Income tax | 110,000 | 181,000 | 291,000 | 379,000 |
| Net income | 118,000 | 275,000 | 440,000 | 564,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,332,000 | 4,488,000 | 4,654,000 | 4,778,000 |
| Total capital | 4,774,000 | 4,910,000 | 5,126,000 | 5,255,000 |
| Risk-weighted assets | 35,283,000 | 35,453,000 | 37,745,000 | 38,057,000 |
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