Call reports 2008
FRONTIER SAVINGS BANK — 2008
What FRONTIER SAVINGS BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 27,999,000 | 28,303,000 | 34,117,000 | 28,926,000 |
| Total loans | 17,872,000 | 16,928,000 | 16,218,000 | 15,527,000 |
| Allowance for loan losses | 171,000 | 171,000 | 171,000 | 171,000 |
| Securities available for sale | 1,034,000 | 1,233,000 | 1,230,000 | 1,242,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,417,000 | 24,636,000 | 30,439,000 | 25,177,000 |
| Interest-bearing deposits | 21,130,000 | 21,200,000 | 21,037,000 | 21,414,000 |
| Noninterest-bearing deposits | 3,287,000 | 3,436,000 | 9,402,000 | 3,763,000 |
| Equity capital | 3,495,000 | 3,530,000 | 3,563,000 | 3,601,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 430,000 | 840,000 | 1,241,000 | 1,626,000 |
| Interest expense | 125,000 | 237,000 | 340,000 | 426,000 |
| Net interest income | 305,000 | 603,000 | 901,000 | 1,200,000 |
| Noninterest income | 31,000 | 85,000 | 123,000 | 152,000 |
| Noninterest expense | 304,000 | 596,000 | 881,000 | 1,155,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 32,000 | 92,000 | 143,000 | 197,000 |
| Income tax | 8,000 | 27,000 | 42,000 | 66,000 |
| Net income | 24,000 | 65,000 | 101,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,471,000 | 3,512,000 | 3,548,000 | 3,578,000 |
| Total capital | 3,642,000 | 3,683,000 | 3,719,000 | 3,749,000 |
| Risk-weighted assets | 19,713,000 | 19,160,000 | 19,828,000 | 18,268,000 |
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