Call reports 2007
FRONTIER SAVINGS BANK — 2007
What FRONTIER SAVINGS BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 25,377,000 | 28,878,000 | 27,988,000 | 28,683,000 |
| Total loans | 16,743,000 | 16,042,000 | 17,822,000 | 17,646,000 |
| Allowance for loan losses | 161,000 | 166,000 | 166,000 | 171,000 |
| Securities available for sale | 0 | 996,000 | 1,013,000 | 1,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,840,000 | 25,237,000 | 24,230,000 | 24,818,000 |
| Interest-bearing deposits | 19,205,000 | 20,282,000 | 20,066,000 | 20,497,000 |
| Noninterest-bearing deposits | 2,635,000 | 4,955,000 | 4,164,000 | 4,321,000 |
| Equity capital | 3,268,000 | 3,327,000 | 3,407,000 | 3,465,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 431,000 | 893,000 | 1,383,000 | 1,864,000 |
| Interest expense | 109,000 | 229,000 | 360,000 | 492,000 |
| Net interest income | 322,000 | 664,000 | 1,023,000 | 1,372,000 |
| Noninterest income | 34,000 | 79,000 | 117,000 | 150,000 |
| Noninterest expense | 305,000 | 598,000 | 889,000 | 1,188,000 |
| Provision for loan losses | 0 | 5,000 | 5,000 | 10,000 |
| Pretax income | 51,000 | 140,000 | 246,000 | 324,000 |
| Income tax | 16,000 | 46,000 | 83,000 | 110,000 |
| Net income | 35,000 | 94,000 | 163,000 | 214,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,268,000 | 3,327,000 | 3,396,000 | 3,447,000 |
| Total capital | 3,429,000 | 3,493,000 | 3,562,000 | 3,618,000 |
| Risk-weighted assets | 18,334,000 | 18,489,000 | 19,779,000 | 19,755,000 |
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