Call reports 2004
FRONTIER SAVINGS BANK — 2004
What FRONTIER SAVINGS BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 24,744,000 | 25,280,000 | 25,331,000 | 25,676,000 |
| Total loans | 10,052,000 | 9,178,000 | 10,721,000 | 11,089,000 |
| Allowance for loan losses | 150,000 | 150,000 | 147,000 | 145,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 966,000 | 599,000 | 499,000 | 1,008,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 22,005,000 | 22,575,000 | 22,616,000 | 22,158,000 |
| Interest-bearing deposits | 19,767,000 | 19,574,000 | 19,207,000 | 18,952,000 |
| Noninterest-bearing deposits | 2,238,000 | 3,001,000 | 3,409,000 | 3,206,000 |
| Equity capital | 2,469,000 | 2,426,000 | 2,430,000 | 2,494,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 236,000 | 486,000 | 776,000 | 1,100,000 |
| Interest expense | 55,000 | 106,000 | 158,000 | 210,000 |
| Net interest income | 181,000 | 380,000 | 618,000 | 890,000 |
| Noninterest income | 46,000 | 114,000 | 158,000 | 232,000 |
| Noninterest expense | 299,000 | 609,000 | 887,000 | 1,169,000 |
| Provision for loan losses | 13,000 | 13,000 | 13,000 | 13,000 |
| Pretax income | -85,000 | -128,000 | -124,000 | -60,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -85,000 | -128,000 | -124,000 | -60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,469,000 | 2,426,000 | 2,430,000 | 2,494,000 |
| Total capital | 2,619,000 | 2,576,000 | 2,577,000 | 2,639,000 |
| Risk-weighted assets | 12,981,000 | 12,303,000 | 13,498,000 | 13,897,000 |
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