Call reports 2020
FROST STATE BANK — 2020
What FROST STATE BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 53,614,000 | 51,223,000 | 51,936,000 | 52,382,000 |
| Total loans | 41,268,000 | 43,504,000 | 40,797,000 | 36,669,000 |
| Allowance for loan losses | 511,000 | 713,000 | 714,000 | 715,000 |
| Securities available for sale | 374,000 | 125,000 | 374,000 | 2,373,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,766,000 | 44,193,000 | 44,725,000 | 45,442,000 |
| Interest-bearing deposits | 42,367,000 | 40,307,000 | 40,093,000 | 39,981,000 |
| Noninterest-bearing deposits | 4,399,000 | 3,886,000 | 4,632,000 | 5,461,000 |
| Equity capital | 6,624,000 | 6,697,000 | 6,860,000 | 6,690,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 653,000 | 1,241,000 | 1,811,000 | 2,327,000 |
| Interest expense | 235,000 | 453,000 | 639,000 | 804,000 |
| Net interest income | 418,000 | 788,000 | 1,172,000 | 1,523,000 |
| Noninterest income | 38,000 | 145,000 | 163,000 | 192,000 |
| Noninterest expense | 173,000 | 351,000 | 522,000 | 719,000 |
| Provision for loan losses | 200,000 | 400,000 | 400,000 | 400,000 |
| Pretax income | 83,000 | 182,000 | 413,000 | 596,000 |
| Income tax | 24,000 | 52,000 | 118,000 | 171,000 |
| Net income | 59,000 | 130,000 | 295,000 | 425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,622,000 | 6,694,000 | 6,858,000 | 6,688,000 |
| Total capital | 7,133,000 | 7,243,000 | 7,368,000 | 7,163,000 |
| Risk-weighted assets | 43,600,000 | 43,811,000 | 40,660,000 | 37,767,000 |
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