Call reports 2021
FROST STATE BANK — 2021
What FROST STATE BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 52,633,000 | 49,655,000 | 47,997,000 | 48,047,000 |
| Total loans | 37,373,000 | 37,379,000 | 37,627,000 | 38,262,000 |
| Allowance for loan losses | 716,000 | 589,000 | 590,000 | 649,000 |
| Securities available for sale | 2,370,000 | 2,627,000 | 2,476,000 | 2,465,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,373,000 | 42,252,000 | 40,403,000 | 40,889,000 |
| Interest-bearing deposits | 38,880,000 | 35,956,000 | 33,401,000 | 33,722,000 |
| Noninterest-bearing deposits | 6,493,000 | 6,296,000 | 7,002,000 | 7,167,000 |
| Equity capital | 6,916,000 | 7,137,000 | 7,315,000 | 6,939,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 473,000 | 949,000 | 1,721,000 | 2,201,000 |
| Interest expense | 127,000 | 245,000 | 341,000 | 425,000 |
| Net interest income | 346,000 | 704,000 | 1,380,000 | 1,776,000 |
| Noninterest income | 192,000 | 328,000 | 75,000 | 106,000 |
| Noninterest expense | 200,000 | 382,000 | 556,000 | 806,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 338,000 | 650,000 | 899,000 | 1,076,000 |
| Income tax | 97,000 | 186,000 | 258,000 | 305,000 |
| Net income | 241,000 | 464,000 | 641,000 | 771,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,916,000 | 7,139,000 | 7,316,000 | 6,947,000 |
| Total capital | 7,380,000 | 7,600,000 | 7,785,000 | 7,429,000 |
| Risk-weighted assets | 36,939,000 | 36,768,000 | 37,410,000 | 38,426,000 |