Call reports 2015
FRONTIER SAVINGS BANK — 2015
What FRONTIER SAVINGS BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 36,252,000 | 36,011,000 | 36,398,000 | 38,047,000 |
| Total loans | 18,325,000 | 15,741,000 | 15,606,000 | 15,080,000 |
| Allowance for loan losses | 199,000 | 199,000 | 200,000 | 200,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,491,000 | 31,224,000 | 31,620,000 | 33,263,000 |
| Interest-bearing deposits | 27,234,000 | 26,363,000 | 27,467,000 | 28,807,000 |
| Noninterest-bearing deposits | 4,257,000 | 4,861,000 | 4,153,000 | 4,456,000 |
| Equity capital | 4,430,000 | 4,461,000 | 4,465,000 | 4,482,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 309,000 | 613,000 | 898,000 | 1,171,000 |
| Interest expense | 13,000 | 23,000 | 35,000 | 47,000 |
| Net interest income | 296,000 | 590,000 | 863,000 | 1,124,000 |
| Noninterest income | 44,000 | 91,000 | 140,000 | 185,000 |
| Noninterest expense | 298,000 | 589,000 | 888,000 | 1,191,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 42,000 | 92,000 | 115,000 | 118,000 |
| Income tax | 17,000 | 36,000 | 55,000 | 41,000 |
| Net income | 25,000 | 56,000 | 60,000 | 77,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,430,000 | 4,461,000 | 4,465,000 | 4,482,000 |
| Total capital | 4,629,000 | 4,630,000 | 4,640,000 | 4,654,000 |
| Risk-weighted assets | 16,498,000 | 13,517,000 | 13,986,000 | 13,724,000 |