Call reports 2025
FROST STATE BANK — 2025
What FROST STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Total assets | 53,418,000 | 53,378,000 | 53,845,000 |
| Total loans | 45,234,000 | 47,833,000 | 46,581,000 |
| Allowance for loan losses | 509,000 | 526,000 | 488,000 |
| Securities available for sale | 1,035,000 | 1,042,000 | 1,045,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 44,073,000 | 43,815,000 | 43,986,000 |
| Interest-bearing deposits | 39,187,000 | 35,751,000 | 38,720,000 |
| Noninterest-bearing deposits | 4,886,000 | 8,064,000 | 5,266,000 |
| Equity capital | 8,676,000 | 8,852,000 | 9,135,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Interest income | 893,000 | 1,844,000 | 2,806,000 |
| Interest expense | 357,000 | 737,000 | 1,107,000 |
| Net interest income | 536,000 | 1,107,000 | 1,699,000 |
| Noninterest income | 28,000 | 56,000 | 90,000 |
| Noninterest expense | 200,000 | 399,000 | 629,000 |
| Provision for loan losses | 200,000 | 350,000 | 350,000 |
| Pretax income | 164,000 | 414,000 | 810,000 |
| Income tax | 47,000 | 119,000 | 233,000 |
| Net income | 117,000 | 295,000 | 577,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 |
|---|---|---|---|
| Tier 1 capital | 8,676,000 | 8,853,000 | 9,135,000 |
| Total capital | 9,185,000 | 9,379,000 | 9,623,000 |
| Risk-weighted assets | 48,085,000 | 50,218,000 | 50,161,000 |