Call reports 2014
FRONTIER SAVINGS BANK — 2014
What FRONTIER SAVINGS BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 34,564,000 | 35,296,000 | 35,603,000 | 35,841,000 |
| Total loans | 17,041,000 | 17,243,000 | 17,600,000 | 17,478,000 |
| Allowance for loan losses | 200,000 | 200,000 | 200,000 | 199,000 |
| Securities available for sale | 146,000 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 30,175,000 | 30,922,000 | 31,208,000 | 31,105,000 |
| Interest-bearing deposits | 26,086,000 | 26,724,000 | 27,281,000 | 26,902,000 |
| Noninterest-bearing deposits | 4,089,000 | 4,198,000 | 3,927,000 | 4,203,000 |
| Equity capital | 4,303,000 | 4,323,000 | 4,356,000 | 4,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 310,000 | 615,000 | 924,000 | 1,237,000 |
| Interest expense | 10,000 | 20,000 | 32,000 | 45,000 |
| Net interest income | 300,000 | 595,000 | 892,000 | 1,192,000 |
| Noninterest income | 34,000 | 77,000 | 121,000 | 161,000 |
| Noninterest expense | 298,000 | 595,000 | 885,000 | 1,158,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 77,000 | 128,000 | 195,000 |
| Income tax | 8,000 | 28,000 | 46,000 | 64,000 |
| Net income | 28,000 | 49,000 | 82,000 | 131,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,302,000 | 4,323,000 | 4,356,000 | 4,405,000 |
| Total capital | 4,502,000 | 4,523,000 | 4,556,000 | 4,604,000 |
| Risk-weighted assets | 17,865,000 | 18,253,000 | 18,306,000 | 16,065,000 |