Call reports 2003
FRONTIER SAVINGS BANK — 2003
What FRONTIER SAVINGS BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 22,171,000 | 22,965,000 | 22,707,000 | 24,260,000 |
| Total loans | 10,059,000 | 10,327,000 | 9,649,000 | 10,225,000 |
| Allowance for loan losses | 125,000 | 129,000 | 133,000 | 137,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 5,048,000 | 3,482,000 | 2,224,000 | 1,218,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 19,275,000 | 20,141,000 | 19,930,000 | 21,430,000 |
| Interest-bearing deposits | 17,878,000 | 18,560,000 | 18,682,000 | 18,806,000 |
| Noninterest-bearing deposits | 1,397,000 | 1,581,000 | 1,248,000 | 2,624,000 |
| Equity capital | 2,629,000 | 2,552,000 | 2,513,000 | 2,554,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 212,000 | 429,000 | 657,000 | 900,000 |
| Interest expense | 78,000 | 151,000 | 217,000 | 281,000 |
| Net interest income | 134,000 | 278,000 | 440,000 | 619,000 |
| Noninterest income | 48,000 | 102,000 | 183,000 | 327,000 |
| Noninterest expense | 283,000 | 554,000 | 832,000 | 1,110,000 |
| Provision for loan losses | 21,000 | 25,000 | 29,000 | 33,000 |
| Pretax income | -122,000 | -199,000 | -238,000 | -197,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -122,000 | -199,000 | -238,000 | -197,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,629,000 | 2,552,000 | 2,513,000 | 2,554,000 |
| Total capital | 2,754,000 | 2,681,000 | 2,646,000 | 2,691,000 |
| Risk-weighted assets | 12,615,000 | 12,523,000 | 12,143,000 | 12,818,000 |
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