Call reports 2023
FROST STATE BANK — 2023
What FROST STATE BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 50,959,000 | 49,253,000 | 49,561,000 | 51,695,000 |
| Total loans | 38,577,000 | 40,319,000 | 41,408,000 | 42,944,000 |
| Allowance for loan losses | 496,000 | 497,000 | 498,000 | 494,000 |
| Securities available for sale | 2,116,000 | 1,627,000 | 1,629,000 | 1,047,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,672,000 | 40,722,000 | 40,441,000 | 41,021,000 |
| Interest-bearing deposits | 35,800,000 | 35,190,000 | 34,227,000 | 34,981,000 |
| Noninterest-bearing deposits | 6,872,000 | 5,532,000 | 6,214,000 | 6,040,000 |
| Equity capital | 7,775,000 | 8,047,000 | 8,351,000 | 8,085,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 702,000 | 1,461,000 | 2,290,000 | 3,109,000 |
| Interest expense | 200,000 | 439,000 | 709,000 | 1,012,000 |
| Net interest income | 502,000 | 1,022,000 | 1,581,000 | 2,097,000 |
| Noninterest income | 24,000 | 61,000 | 99,000 | 139,000 |
| Noninterest expense | 183,000 | 369,000 | 551,000 | 801,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 343,000 | 714,000 | 1,129,000 | 1,435,000 |
| Income tax | 99,000 | 205,000 | 324,000 | 404,000 |
| Net income | 244,000 | 509,000 | 805,000 | 1,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,806,000 | 8,070,000 | 8,366,000 | 8,092,000 |
| Total capital | 8,302,000 | 8,567,000 | 8,864,000 | 8,586,000 |
| Risk-weighted assets | 42,783,000 | 43,343,000 | 44,415,000 | 45,584,000 |
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