Call reports 2010
FRONTIER SAVINGS BANK — 2010
What FRONTIER SAVINGS BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 29,632,000 | 30,976,000 | 31,237,000 | 30,963,000 |
| Total loans | 15,875,000 | 15,066,000 | 15,067,000 | 15,528,000 |
| Allowance for loan losses | 201,000 | 201,000 | 201,000 | 201,000 |
| Securities available for sale | 1,212,000 | 1,372,000 | 1,379,000 | 1,520,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 25,803,000 | 27,116,000 | 27,372,000 | 27,054,000 |
| Interest-bearing deposits | 23,443,000 | 23,771,000 | 24,244,000 | 24,239,000 |
| Noninterest-bearing deposits | 2,360,000 | 3,345,000 | 3,128,000 | 2,815,000 |
| Equity capital | 3,758,000 | 3,780,000 | 3,775,000 | 3,816,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 318,000 | 632,000 | 952,000 | 1,279,000 |
| Interest expense | 46,000 | 88,000 | 131,000 | 169,000 |
| Net interest income | 272,000 | 544,000 | 821,000 | 1,110,000 |
| Noninterest income | 30,000 | 73,000 | 119,000 | 183,000 |
| Noninterest expense | 297,000 | 596,000 | 929,000 | 1,213,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 5,000 | 21,000 | 11,000 | 80,000 |
| Income tax | 0 | 3,000 | 3,000 | 24,000 |
| Net income | 5,000 | 18,000 | 8,000 | 56,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,754,000 | 3,766,000 | 3,756,000 | 3,804,000 |
| Total capital | 3,955,000 | 3,967,000 | 3,957,000 | 4,005,000 |
| Risk-weighted assets | 19,076,000 | 18,726,000 | 19,065,000 | 19,243,000 |