Call reports 2015
FROST STATE BANK — 2015
What FROST STATE BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 44,494,000 | 44,112,000 | 45,818,000 | 48,413,000 |
| Total loans | 39,997,000 | 41,415,000 | 42,351,000 | 42,158,000 |
| Allowance for loan losses | 569,000 | 611,000 | 662,000 | 662,000 |
| Securities available for sale | 1,223,000 | 1,231,000 | 1,232,000 | 903,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 39,301,000 | 38,589,000 | 40,489,000 | 42,958,000 |
| Interest-bearing deposits | 35,455,000 | 35,531,000 | 36,861,000 | 37,832,000 |
| Noninterest-bearing deposits | 3,846,000 | 3,058,000 | 3,628,000 | 5,126,000 |
| Equity capital | 4,729,000 | 4,891,000 | 5,071,000 | 5,234,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 504,000 | 1,045,000 | 1,622,000 | 2,170,000 |
| Interest expense | 97,000 | 199,000 | 312,000 | 424,000 |
| Net interest income | 407,000 | 846,000 | 1,310,000 | 1,746,000 |
| Noninterest income | 31,000 | 66,000 | 107,000 | 147,000 |
| Noninterest expense | 142,000 | 291,000 | 449,000 | 653,000 |
| Provision for loan losses | 50,000 | 100,000 | 150,000 | 150,000 |
| Pretax income | 246,000 | 521,000 | 818,000 | 1,090,000 |
| Income tax | 98,000 | 208,000 | 327,000 | 436,000 |
| Net income | 148,000 | 313,000 | 491,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,726,000 | 4,891,000 | 5,069,000 | 5,231,000 |
| Total capital | 5,222,000 | 5,401,000 | 5,592,000 | 5,763,000 |
| Risk-weighted assets | 39,647,000 | 40,725,000 | 41,747,000 | 42,488,000 |
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