Call reports 2011
FRONTIER SAVINGS BANK — 2011
What FRONTIER SAVINGS BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 31,493,000 | 33,117,000 | 31,854,000 | 32,548,000 |
| Total loans | 14,860,000 | 15,119,000 | 15,081,000 | 15,075,000 |
| Allowance for loan losses | 201,000 | 201,000 | 201,000 | 201,000 |
| Securities available for sale | 1,515,000 | 1,523,000 | 1,520,000 | 1,020,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 27,577,000 | 29,117,000 | 27,871,000 | 28,471,000 |
| Interest-bearing deposits | 24,754,000 | 26,081,000 | 25,140,000 | 25,562,000 |
| Noninterest-bearing deposits | 2,823,000 | 3,036,000 | 2,731,000 | 2,909,000 |
| Equity capital | 3,842,000 | 3,879,000 | 3,898,000 | 3,925,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 638,000 | 948,000 | 1,254,000 |
| Interest expense | 31,000 | 60,000 | 83,000 | 104,000 |
| Net interest income | 294,000 | 578,000 | 865,000 | 1,150,000 |
| Noninterest income | 49,000 | 90,000 | 124,000 | 172,000 |
| Noninterest expense | 296,000 | 589,000 | 888,000 | 1,179,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 47,000 | 79,000 | 101,000 | 143,000 |
| Income tax | 18,000 | 18,000 | 18,000 | 33,000 |
| Net income | 29,000 | 61,000 | 83,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,833,000 | 3,865,000 | 3,887,000 | 3,914,000 |
| Total capital | 4,034,000 | 4,066,000 | 4,088,000 | 4,115,000 |
| Risk-weighted assets | 19,089,000 | 19,465,000 | 19,295,000 | 19,347,000 |