Call reports 2019
FROST STATE BANK — 2019
What FROST STATE BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 50,136,000 | 53,194,000 | 54,026,000 | 54,196,000 |
| Total loans | 42,156,000 | 47,020,000 | 46,763,000 | 43,247,000 |
| Allowance for loan losses | 717,000 | 818,000 | 698,000 | 781,000 |
| Securities available for sale | 1,211,000 | 776,000 | 719,000 | 558,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,564,000 | 44,685,000 | 47,003,000 | 47,145,000 |
| Interest-bearing deposits | 40,259,000 | 40,571,000 | 42,780,000 | 42,392,000 |
| Noninterest-bearing deposits | 3,305,000 | 4,114,000 | 4,223,000 | 4,753,000 |
| Equity capital | 6,352,000 | 6,594,000 | 6,767,000 | 6,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 596,000 | 1,383,000 | 2,098,000 | 2,753,000 |
| Interest expense | 208,000 | 438,000 | 684,000 | 927,000 |
| Net interest income | 388,000 | 945,000 | 1,414,000 | 1,826,000 |
| Noninterest income | 25,000 | 77,000 | 124,000 | 160,000 |
| Noninterest expense | 167,000 | 341,000 | 514,000 | 728,000 |
| Provision for loan losses | 100,000 | 200,000 | 300,000 | 400,000 |
| Pretax income | 146,000 | 481,000 | 724,000 | 858,000 |
| Income tax | 41,000 | 137,000 | 206,000 | 243,000 |
| Net income | 105,000 | 344,000 | 518,000 | 615,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,353,000 | 6,593,000 | 6,766,000 | 6,863,000 |
| Total capital | 6,882,000 | 7,191,000 | 7,365,000 | 7,443,000 |
| Risk-weighted assets | 42,132,000 | 47,698,000 | 47,865,000 | 46,276,000 |