Call reports 2012
FRONTIER SAVINGS BANK — 2012
What FRONTIER SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 33,738,000 | 33,043,000 | 33,317,000 | 33,320,000 |
| Total loans | 15,638,000 | 15,745,000 | 16,278,000 | 16,396,000 |
| Allowance for loan losses | 201,000 | 201,000 | 201,000 | 200,000 |
| Securities available for sale | 1,017,000 | 804,000 | 802,000 | 300,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 29,009,000 | 28,191,000 | 28,361,000 | 29,049,000 |
| Interest-bearing deposits | 26,130,000 | 24,809,000 | 25,018,000 | 25,550,000 |
| Noninterest-bearing deposits | 2,879,000 | 3,382,000 | 3,343,000 | 3,499,000 |
| Equity capital | 3,945,000 | 3,999,000 | 4,056,000 | 4,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 304,000 | 629,000 | 944,000 | 1,264,000 |
| Interest expense | 17,000 | 35,000 | 48,000 | 64,000 |
| Net interest income | 287,000 | 594,000 | 896,000 | 1,200,000 |
| Noninterest income | 45,000 | 100,000 | 159,000 | 209,000 |
| Noninterest expense | 308,000 | 594,000 | 874,000 | 1,152,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 24,000 | 100,000 | 181,000 | 257,000 |
| Income tax | 2,000 | 21,000 | 44,000 | 75,000 |
| Net income | 22,000 | 79,000 | 137,000 | 182,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,936,000 | 3,993,000 | 4,051,000 | 4,096,000 |
| Total capital | 4,137,000 | 4,194,000 | 4,252,000 | 4,296,000 |
| Risk-weighted assets | 19,739,000 | 19,761,000 | 20,067,000 | 19,966,000 |