Call reports 2016
FROST STATE BANK — 2016
What FROST STATE BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 48,131,000 | 48,473,000 | 47,682,000 | 48,502,000 |
| Total loans | 41,944,000 | 43,765,000 | 43,268,000 | 42,023,000 |
| Allowance for loan losses | 647,000 | 648,000 | 638,000 | 683,000 |
| Securities available for sale | 583,000 | 879,000 | 1,002,000 | 1,193,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,427,000 | 41,803,000 | 41,826,000 | 42,641,000 |
| Interest-bearing deposits | 38,946,000 | 39,156,000 | 39,482,000 | 38,768,000 |
| Noninterest-bearing deposits | 3,481,000 | 2,647,000 | 2,344,000 | 3,873,000 |
| Equity capital | 5,224,000 | 5,440,000 | 5,610,000 | 5,706,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,135,000 | 1,683,000 | 2,241,000 |
| Interest expense | 118,000 | 238,000 | 365,000 | 493,000 |
| Net interest income | 428,000 | 897,000 | 1,318,000 | 1,748,000 |
| Noninterest income | 28,000 | 71,000 | 107,000 | 144,000 |
| Noninterest expense | 145,000 | 298,000 | 464,000 | 659,000 |
| Provision for loan losses | 0 | 0 | 0 | 100,000 |
| Pretax income | 311,000 | 670,000 | 961,000 | 1,133,000 |
| Income tax | 125,000 | 270,000 | 387,000 | 456,000 |
| Net income | 186,000 | 400,000 | 574,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,218,000 | 5,432,000 | 5,606,000 | 5,709,000 |
| Total capital | 5,743,000 | 5,976,000 | 6,149,000 | 6,246,000 |
| Risk-weighted assets | 41,893,000 | 43,447,000 | 43,377,000 | 42,825,000 |