Call reports 2009
FRONTIER SAVINGS BANK — 2009
What FRONTIER SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 28,131,000 | 29,577,000 | 29,768,000 | 30,264,000 |
| Total loans | 15,203,000 | 16,528,000 | 17,577,000 | 16,370,000 |
| Allowance for loan losses | 171,000 | 171,000 | 186,000 | 201,000 |
| Securities available for sale | 1,232,000 | 725,000 | 722,000 | 1,208,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,417,000 | 25,763,000 | 25,366,000 | 26,341,000 |
| Interest-bearing deposits | 21,510,000 | 22,541,000 | 22,709,000 | 23,639,000 |
| Noninterest-bearing deposits | 2,907,000 | 3,222,000 | 2,657,000 | 2,702,000 |
| Equity capital | 3,642,000 | 3,684,000 | 3,728,000 | 3,751,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 379,000 | 763,000 | 1,138,000 | 1,489,000 |
| Interest expense | 71,000 | 132,000 | 188,000 | 239,000 |
| Net interest income | 308,000 | 631,000 | 950,000 | 1,250,000 |
| Noninterest income | 37,000 | 86,000 | 124,000 | 163,000 |
| Noninterest expense | 281,000 | 587,000 | 846,000 | 1,122,000 |
| Provision for loan losses | 0 | 0 | 15,000 | 30,000 |
| Pretax income | 64,000 | 130,000 | 213,000 | 261,000 |
| Income tax | 16,000 | 35,000 | 72,000 | 91,000 |
| Net income | 48,000 | 95,000 | 141,000 | 170,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,626,000 | 3,673,000 | 3,719,000 | 3,748,000 |
| Total capital | 3,797,000 | 3,844,000 | 3,905,000 | 3,949,000 |
| Risk-weighted assets | 17,899,000 | 19,451,000 | 20,353,000 | 19,616,000 |