Call reports 2013
FRONTIER SAVINGS BANK — 2013
What FRONTIER SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 34,725,000 | 34,339,000 | 33,324,000 | 34,076,000 |
| Total loans | 16,625,000 | 17,012,000 | 17,100,000 | 16,705,000 |
| Allowance for loan losses | 199,000 | 199,000 | 200,000 | 200,000 |
| Securities available for sale | 299,000 | 148,000 | 147,000 | 147,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,538,000 | 30,065,000 | 28,767,000 | 29,693,000 |
| Interest-bearing deposits | 26,681,000 | 26,407,000 | 25,361,000 | 26,076,000 |
| Noninterest-bearing deposits | 3,857,000 | 3,658,000 | 3,406,000 | 3,617,000 |
| Equity capital | 4,135,000 | 4,190,000 | 4,233,000 | 4,275,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 302,000 | 628,000 | 942,000 | 1,265,000 |
| Interest expense | 13,000 | 26,000 | 37,000 | 47,000 |
| Net interest income | 289,000 | 602,000 | 905,000 | 1,218,000 |
| Noninterest income | 56,000 | 123,000 | 175,000 | 229,000 |
| Noninterest expense | 299,000 | 600,000 | 896,000 | 1,177,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 46,000 | 125,000 | 184,000 | 270,000 |
| Income tax | 10,000 | 33,000 | 48,000 | 92,000 |
| Net income | 36,000 | 92,000 | 136,000 | 178,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,132,000 | 4,188,000 | 4,232,000 | 4,274,000 |
| Total capital | 4,331,000 | 4,387,000 | 4,432,000 | 4,474,000 |
| Risk-weighted assets | 18,325,000 | 18,407,000 | 18,361,000 | 18,004,000 |