Call reports 2004
FRONTIER BANK — 2004
What FRONTIER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 53,758,000 | 54,458,000 | 53,934,000 | 56,601,000 |
| Total loans | 30,741,000 | 31,082,000 | 32,511,000 | 35,603,000 |
| Allowance for loan losses | 1,182,000 | 1,083,000 | 1,092,000 | 1,087,000 |
| Securities available for sale | 15,581,000 | 17,311,000 | 15,976,000 | 15,111,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,786,000 | 41,297,000 | 41,322,000 | 43,262,000 |
| Interest-bearing deposits | 40,411,000 | 38,483,000 | 38,414,000 | 40,107,000 |
| Noninterest-bearing deposits | 3,375,000 | 2,814,000 | 2,908,000 | 3,155,000 |
| Equity capital | 6,353,000 | 6,242,000 | 6,474,000 | 6,303,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 738,000 | 1,424,000 | 2,146,000 | 2,883,000 |
| Interest expense | 222,000 | 468,000 | 719,000 | 984,000 |
| Net interest income | 516,000 | 956,000 | 1,427,000 | 1,899,000 |
| Noninterest income | 68,000 | 106,000 | 172,000 | 236,000 |
| Noninterest expense | 466,000 | 871,000 | 1,263,000 | 1,629,000 |
| Provision for loan losses | 0 | -150,000 | -150,000 | -150,000 |
| Pretax income | 118,000 | 341,000 | 486,000 | 656,000 |
| Income tax | 30,000 | 118,000 | 170,000 | 210,000 |
| Net income | 88,000 | 223,000 | 316,000 | 446,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,605,000 | 5,695,000 | 5,857,000 | 5,738,000 |
| Total capital | 6,035,000 | 6,133,000 | 6,311,000 | 6,232,000 |
| Risk-weighted assets | 33,670,000 | 34,404,000 | 35,673,000 | 38,956,000 |
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