Call reports 2010
FRONTIER BANK — 2010
What FRONTIER BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 93,823,000 | 102,000,000 | 108,711,000 | 114,377,000 |
| Total loans | 71,100,000 | 78,161,000 | 87,619,000 | 96,730,000 |
| Allowance for loan losses | 647,000 | 729,000 | 786,000 | 842,000 |
| Securities available for sale | 11,509,000 | 11,316,000 | 8,029,000 | 7,795,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 71,702,000 | 79,266,000 | 84,420,000 | 91,504,000 |
| Interest-bearing deposits | 65,261,000 | 72,710,000 | 77,534,000 | 84,515,000 |
| Noninterest-bearing deposits | 6,441,000 | 6,556,000 | 6,886,000 | 6,989,000 |
| Equity capital | 10,488,000 | 11,144,000 | 12,694,000 | 13,739,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,175,000 | 2,470,000 | 3,841,000 | 5,304,000 |
| Interest expense | 519,000 | 1,047,000 | 1,601,000 | 2,147,000 |
| Net interest income | 656,000 | 1,423,000 | 2,240,000 | 3,157,000 |
| Noninterest income | 95,000 | 248,000 | 414,000 | 677,000 |
| Noninterest expense | 771,000 | 1,483,000 | 2,415,000 | 3,359,000 |
| Provision for loan losses | 30,000 | 70,000 | 125,000 | 185,000 |
| Pretax income | -177,000 | -14,000 | -31,000 | 130,000 |
| Income tax | 6,000 | 14,000 | 23,000 | 2,000 |
| Net income | -183,000 | -28,000 | -54,000 | 128,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,486,000 | 7,898,000 | 9,379,000 | 10,318,000 |
| Total capital | 8,133,000 | 8,627,000 | 10,165,000 | 11,160,000 |
| Risk-weighted assets | 73,378,000 | 83,327,000 | 93,633,000 | 100,166,000 |