Call reports 2009
FRONTIER BANK — 2009
What FRONTIER BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 86,741,000 | 86,396,000 | 86,973,000 | 93,195,000 |
| Total loans | 60,545,000 | 63,402,000 | 64,770,000 | 69,248,000 |
| Allowance for loan losses | 762,000 | 767,000 | 561,000 | 615,000 |
| Securities available for sale | 14,825,000 | 14,545,000 | 14,239,000 | 13,508,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,786,000 | 61,787,000 | 62,647,000 | 64,484,000 |
| Interest-bearing deposits | 60,516,000 | 58,016,000 | 58,093,000 | 59,830,000 |
| Noninterest-bearing deposits | 5,270,000 | 3,771,000 | 4,554,000 | 4,654,000 |
| Equity capital | 8,250,000 | 9,252,000 | 9,549,000 | 10,375,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,171,000 | 2,338,000 | 3,532,000 | 4,728,000 |
| Interest expense | 539,000 | 1,073,000 | 1,609,000 | 2,132,000 |
| Net interest income | 632,000 | 1,265,000 | 1,923,000 | 2,596,000 |
| Noninterest income | 44,000 | 95,000 | 142,000 | 206,000 |
| Noninterest expense | 416,000 | 849,000 | 1,261,000 | 1,849,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 45,000 |
| Pretax income | 260,000 | 511,000 | 789,000 | 826,000 |
| Income tax | 7,000 | 13,000 | 22,000 | 30,000 |
| Net income | 253,000 | 498,000 | 767,000 | 796,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,164,000 | 6,938,000 | 6,620,000 | 7,412,000 |
| Total capital | 6,926,000 | 7,705,000 | 7,181,000 | 8,027,000 |
| Risk-weighted assets | 66,327,000 | 66,321,000 | 68,239,000 | 72,732,000 |