Call reports 2008
FRONTIER BANK — 2008
What FRONTIER BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 317,516,000 | 313,190,000 | 306,121,000 | 309,235,000 |
| Total loans | 228,831,000 | 224,457,000 | 220,939,000 | 225,087,000 |
| Allowance for loan losses | 5,720,000 | 5,078,000 | 3,913,000 | 2,978,000 |
| Securities available for sale | 54,018,000 | 49,019,000 | 48,338,000 | 49,398,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 238,494,000 | 231,877,000 | 232,312,000 | 233,409,000 |
| Interest-bearing deposits | 198,369,000 | 192,731,000 | 196,411,000 | 199,404,000 |
| Noninterest-bearing deposits | 40,125,000 | 39,146,000 | 35,901,000 | 34,005,000 |
| Equity capital | 28,440,000 | 28,713,000 | 29,092,000 | 28,882,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,025,000 | 9,788,000 | 14,218,000 | 18,541,000 |
| Interest expense | 2,154,000 | 3,854,000 | 5,533,000 | 7,253,000 |
| Net interest income | 2,871,000 | 5,934,000 | 8,685,000 | 11,288,000 |
| Noninterest income | 795,000 | 1,799,000 | 2,630,000 | 3,456,000 |
| Noninterest expense | 2,494,000 | 5,038,000 | 7,627,000 | 10,811,000 |
| Provision for loan losses | 118,000 | 193,000 | 193,000 | 193,000 |
| Pretax income | 1,066,000 | 2,540,000 | 3,533,000 | 3,798,000 |
| Income tax | 338,000 | 792,000 | 1,093,000 | 1,133,000 |
| Net income | 728,000 | 1,748,000 | 2,440,000 | 2,665,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,680,000 | 27,696,000 | 28,396,000 | 27,379,000 |
| Total capital | 29,777,000 | 30,776,000 | 31,419,000 | 30,360,000 |
| Risk-weighted assets | 244,629,000 | 244,381,000 | 240,959,000 | 241,425,000 |
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