Call reports 2022
FROST STATE BANK — 2022
What FROST STATE BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 49,568,000 | 48,071,000 | 48,295,000 | 52,276,000 |
| Total loans | 37,153,000 | 38,939,000 | 38,932,000 | 40,483,000 |
| Allowance for loan losses | 740,000 | 741,000 | 742,000 | 469,000 |
| Securities available for sale | 2,303,000 | 2,288,000 | 2,457,000 | 2,098,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,266,000 | 40,625,000 | 40,490,000 | 44,403,000 |
| Interest-bearing deposits | 33,952,000 | 33,833,000 | 33,239,000 | 35,600,000 |
| Noninterest-bearing deposits | 8,314,000 | 6,792,000 | 7,251,000 | 8,803,000 |
| Equity capital | 7,075,000 | 7,267,000 | 7,041,000 | 7,518,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 472,000 | 982,000 | 1,593,000 | 2,266,000 |
| Interest expense | 76,000 | 161,000 | 266,000 | 401,000 |
| Net interest income | 396,000 | 821,000 | 1,327,000 | 1,865,000 |
| Noninterest income | 28,000 | 59,000 | 120,000 | 151,000 |
| Noninterest expense | 187,000 | 365,000 | 530,000 | 763,000 |
| Provision for loan losses | 0 | 0 | 0 | -300,000 |
| Pretax income | 237,000 | 515,000 | 917,000 | 1,553,000 |
| Income tax | 68,000 | 148,000 | 263,000 | 438,000 |
| Net income | 169,000 | 367,000 | 654,000 | 1,115,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,116,000 | 7,314,000 | 7,100,000 | 7,561,000 |
| Total capital | 7,602,000 | 7,808,000 | 7,608,000 | 8,030,000 |
| Risk-weighted assets | 38,632,000 | 39,314,000 | 40,413,000 | 43,771,000 |
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