Call reports 2005
FRONTIER BANK — 2005
What FRONTIER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 54,333,000 | 60,393,000 | 64,459,000 | 66,735,000 |
| Total loans | 34,846,000 | 42,014,000 | 43,394,000 | 46,110,000 |
| Allowance for loan losses | 1,090,000 | 1,097,000 | 893,000 | 900,000 |
| Securities available for sale | 13,761,000 | 13,301,000 | 12,672,000 | 11,977,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 42,685,000 | 45,182,000 | 45,702,000 | 48,807,000 |
| Interest-bearing deposits | 39,429,000 | 42,418,000 | 42,305,000 | 44,683,000 |
| Noninterest-bearing deposits | 3,256,000 | 2,764,000 | 3,397,000 | 4,124,000 |
| Equity capital | 6,517,000 | 6,343,000 | 8,383,000 | 8,270,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 728,000 | 1,576,000 | 936,000 | 1,903,000 |
| Interest expense | 269,000 | 588,000 | 388,000 | 821,000 |
| Net interest income | 459,000 | 988,000 | 548,000 | 1,082,000 |
| Noninterest income | 428,000 | 471,000 | 37,000 | 86,000 |
| Noninterest expense | 421,000 | 821,000 | 367,000 | 758,000 |
| Provision for loan losses | -19,000 | -32,000 | 0 | 2,000 |
| Pretax income | 485,000 | 559,000 | 218,000 | 408,000 |
| Income tax | 169,000 | 205,000 | 5,000 | 10,000 |
| Net income | 316,000 | 354,000 | 213,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,022,000 | 5,785,000 | 4,791,000 | 4,734,000 |
| Total capital | 6,497,000 | 6,324,000 | 5,351,000 | 5,327,000 |
| Risk-weighted assets | 37,391,000 | 42,536,000 | 44,495,000 | 47,127,000 |
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