Call reports 2005
FRONTIER SAVINGS BANK — 2005
What FRONTIER SAVINGS BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 26,062,000 | 27,451,000 | 28,899,000 | 27,389,000 |
| Total loans | 11,769,000 | 15,163,000 | 16,839,000 | 16,687,000 |
| Allowance for loan losses | 145,000 | 146,000 | 146,000 | 161,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 1,007,000 | 1,006,000 | 1,005,000 | 1,003,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,316,000 | 23,381,000 | 23,887,000 | 22,529,000 |
| Interest-bearing deposits | 19,576,000 | 19,091,000 | 20,376,000 | 19,787,000 |
| Noninterest-bearing deposits | 3,740,000 | 4,290,000 | 3,511,000 | 2,742,000 |
| Equity capital | 2,509,000 | 2,540,000 | 2,573,000 | 2,598,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 317,000 | 671,000 | 1,049,000 | 1,444,000 |
| Interest expense | 56,000 | 127,000 | 212,000 | 305,000 |
| Net interest income | 261,000 | 544,000 | 837,000 | 1,139,000 |
| Noninterest income | 38,000 | 78,000 | 115,000 | 159,000 |
| Noninterest expense | 280,000 | 561,000 | 843,000 | 1,141,000 |
| Provision for loan losses | 0 | 0 | 0 | 15,000 |
| Pretax income | 19,000 | 61,000 | 109,000 | 142,000 |
| Income tax | 4,000 | 15,000 | 30,000 | 38,000 |
| Net income | 15,000 | 46,000 | 79,000 | 104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,509,000 | 2,540,000 | 2,573,000 | 2,598,000 |
| Total capital | 2,654,000 | 2,686,000 | 2,719,000 | 2,759,000 |
| Risk-weighted assets | 14,294,000 | 17,085,000 | 18,789,000 | 18,298,000 |
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