Call reports 2024
FROST STATE BANK — 2024
What FROST STATE BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 50,502,000 | 50,488,000 | 50,930,000 | 52,689,000 |
| Total loans | 43,930,000 | 44,123,000 | 43,953,000 | 42,120,000 |
| Allowance for loan losses | 538,000 | 540,000 | 543,000 | 739,000 |
| Securities available for sale | 866,000 | 873,000 | 1,159,000 | 783,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 40,441,000 | 41,107,000 | 41,130,000 | 43,477,000 |
| Interest-bearing deposits | 33,008,000 | 34,331,000 | 36,368,000 | 37,315,000 |
| Noninterest-bearing deposits | 7,433,000 | 6,776,000 | 4,762,000 | 6,162,000 |
| Equity capital | 8,400,000 | 8,698,000 | 8,998,000 | 8,559,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 904,000 | 1,826,000 | 2,768,000 | 3,659,000 |
| Interest expense | 313,000 | 662,000 | 1,031,000 | 1,411,000 |
| Net interest income | 591,000 | 1,164,000 | 1,737,000 | 2,248,000 |
| Noninterest income | 32,000 | 71,000 | 111,000 | 157,000 |
| Noninterest expense | 184,000 | 380,000 | 580,000 | 837,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 439,000 | 855,000 | 1,268,000 | 1,368,000 |
| Income tax | 126,000 | 246,000 | 364,000 | 402,000 |
| Net income | 313,000 | 609,000 | 904,000 | 966,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,406,000 | 8,702,000 | 8,998,000 | 8,559,000 |
| Total capital | 8,944,000 | 9,242,000 | 9,541,000 | 9,141,000 |
| Risk-weighted assets | 46,067,000 | 46,395,000 | 47,175,000 | 46,457,000 |
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