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 | 76,890,000 | 81,639,000 | 84,064,000 | 85,618,000 |
| Total loans | 57,718,000 | 58,932,000 | 62,617,000 | 63,886,000 |
| Allowance for loan losses | 897,000 | 893,000 | 769,000 | 758,000 |
| Securities available for sale | 11,039,000 | 13,704,000 | 12,806,000 | 12,289,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 60,547,000 | 58,975,000 | 56,588,000 | 59,999,000 |
| Interest-bearing deposits | 56,911,000 | 55,234,000 | 53,414,000 | 56,500,000 |
| Noninterest-bearing deposits | 3,636,000 | 3,741,000 | 3,174,000 | 3,499,000 |
| Equity capital | 9,069,000 | 8,898,000 | 8,881,000 | 8,220,000 |
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 | 1,250,000 | 2,402,000 | 3,679,000 | 4,882,000 |
| Interest expense | 640,000 | 1,225,000 | 1,825,000 | 2,407,000 |
| Net interest income | 610,000 | 1,177,000 | 1,854,000 | 2,475,000 |
| Noninterest income | 47,000 | 87,000 | 131,000 | 174,000 |
| Noninterest expense | 372,000 | 757,000 | 1,146,000 | 1,533,000 |
| Provision for loan losses | 0 | 0 | -125,000 | -125,000 |
| Pretax income | 285,000 | 507,000 | 964,000 | 1,241,000 |
| Income tax | 8,000 | 15,000 | 23,000 | 30,000 |
| Net income | 277,000 | 492,000 | 941,000 | 1,211,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,280,000 | 5,439,000 | 5,702,000 | 5,920,000 |
| Total capital | 6,009,000 | 6,196,000 | 6,471,000 | 6,678,000 |
| Risk-weighted assets | 58,171,000 | 60,390,000 | 62,248,000 | 66,236,000 |
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