Call reports 2016
FRONTIER SAVINGS BANK — 2016
What FRONTIER SAVINGS BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 38,239,000 | 38,395,000 | 41,207,000 | 40,785,000 |
| Total loans | 15,099,000 | 13,782,000 | 14,684,000 | 14,771,000 |
| Allowance for loan losses | 194,000 | 187,000 | 187,000 | 187,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,509,000 | 33,626,000 | 35,467,000 | 35,265,000 |
| Interest-bearing deposits | 28,035,000 | 28,150,000 | 29,591,000 | 29,121,000 |
| Noninterest-bearing deposits | 5,474,000 | 5,476,000 | 5,876,000 | 6,144,000 |
| Equity capital | 4,439,000 | 4,441,000 | 4,436,000 | 4,261,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 273,000 | 540,000 | 812,000 | 1,086,000 |
| Interest expense | 12,000 | 23,000 | 37,000 | 49,000 |
| Net interest income | 261,000 | 517,000 | 775,000 | 1,037,000 |
| Noninterest income | 29,000 | 77,000 | 127,000 | 173,000 |
| Noninterest expense | 333,000 | 635,000 | 948,000 | 1,544,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -43,000 | -41,000 | -46,000 | -334,000 |
| Income tax | 0 | 0 | 0 | -113,000 |
| Net income | -43,000 | -41,000 | -46,000 | -221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,439,000 | 4,441,000 | 4,436,000 | 4,261,000 |
| Total capital | 4,613,000 | 4,596,000 | 4,607,000 | 4,430,000 |
| Risk-weighted assets | 13,880,000 | 12,408,000 | 13,675,000 | 13,507,000 |