Call reports 2017
FROST STATE BANK — 2017
What FROST STATE BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 49,594,000 | 51,264,000 | 49,809,000 | 51,640,000 |
| Total loans | 43,408,000 | 44,823,000 | 43,193,000 | 43,473,000 |
| Allowance for loan losses | 730,000 | 738,000 | 600,000 | 613,000 |
| Securities available for sale | 1,033,000 | 1,032,000 | 981,000 | 1,297,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,525,000 | 44,232,000 | 43,590,000 | 45,310,000 |
| Interest-bearing deposits | 37,993,000 | 40,431,000 | 39,854,000 | 39,537,000 |
| Noninterest-bearing deposits | 5,532,000 | 3,801,000 | 3,736,000 | 5,773,000 |
| Equity capital | 5,629,000 | 5,770,000 | 5,925,000 | 6,109,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 546,000 | 1,140,000 | 1,732,000 | 2,312,000 |
| Interest expense | 123,000 | 257,000 | 402,000 | 546,000 |
| Net interest income | 423,000 | 883,000 | 1,330,000 | 1,766,000 |
| Noninterest income | 39,000 | 73,000 | 101,000 | 137,000 |
| Noninterest expense | 163,000 | 321,000 | 489,000 | 708,000 |
| Provision for loan losses | 100,000 | 200,000 | 250,000 | 250,000 |
| Pretax income | 199,000 | 435,000 | 692,000 | 945,000 |
| Income tax | 80,000 | 174,000 | 278,000 | 340,000 |
| Net income | 119,000 | 261,000 | 414,000 | 605,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,629,000 | 5,770,000 | 5,924,000 | 6,114,000 |
| Total capital | 6,177,000 | 6,330,000 | 6,462,000 | 6,665,000 |
| Risk-weighted assets | 43,695,000 | 44,635,000 | 43,015,000 | 44,039,000 |