Call reports 2018
FROST STATE BANK — 2018
What FROST STATE BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 50,012,000 | 50,196,000 | 49,458,000 | 50,762,000 |
| Total loans | 43,682,000 | 43,329,000 | 42,976,000 | 38,993,000 |
| Allowance for loan losses | 713,000 | 701,000 | 686,000 | 732,000 |
| Securities available for sale | 1,444,000 | 1,154,000 | 1,094,000 | 1,119,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,467,000 | 43,720,000 | 42,854,000 | 44,084,000 |
| Interest-bearing deposits | 39,190,000 | 39,930,000 | 39,706,000 | 40,139,000 |
| Noninterest-bearing deposits | 4,277,000 | 3,790,000 | 3,148,000 | 3,945,000 |
| Equity capital | 6,062,000 | 6,227,000 | 6,348,000 | 6,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,207,000 | 1,856,000 | 2,509,000 |
| Interest expense | 147,000 | 306,000 | 496,000 | 704,000 |
| Net interest income | 446,000 | 901,000 | 1,360,000 | 1,805,000 |
| Noninterest income | 33,000 | 67,000 | 96,000 | 143,000 |
| Noninterest expense | 161,000 | 323,000 | 491,000 | 684,000 |
| Provision for loan losses | 100,000 | 200,000 | 350,000 | 450,000 |
| Pretax income | 218,000 | 445,000 | 615,000 | 814,000 |
| Income tax | 62,000 | 127,000 | 175,000 | 232,000 |
| Net income | 156,000 | 318,000 | 440,000 | 582,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,070,000 | 6,233,000 | 6,355,000 | 6,497,000 |
| Total capital | 6,613,000 | 6,770,000 | 6,890,000 | 6,992,000 |
| Risk-weighted assets | 43,347,000 | 42,799,000 | 42,651,000 | 39,415,000 |