Call reports 2005
FRONTIER STATE BANK — 2005
What FRONTIER STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 388,261,000 | 412,937,000 | 439,269,000 | 485,682,000 |
| Total loans | 43,178,000 | 45,558,000 | 49,790,000 | 53,395,000 |
| Allowance for loan losses | 562,000 | 499,000 | 482,000 | 520,000 |
| Securities available for sale | 210,174,000 | 196,042,000 | 174,110,000 | 157,485,000 |
| Securities held to maturity | 116,769,000 | 155,116,000 | 196,379,000 | 243,784,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 163,877,000 | 159,782,000 | 160,451,000 | 283,814,000 |
| Interest-bearing deposits | 142,241,000 | 138,851,000 | 140,907,000 | 247,908,000 |
| Noninterest-bearing deposits | 21,636,000 | 20,931,000 | 19,544,000 | 35,906,000 |
| Equity capital | 22,868,000 | 29,215,000 | 28,881,000 | 30,325,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,969,000 | 9,953,000 | 15,420,000 | 21,804,000 |
| Interest expense | 2,219,000 | 4,759,000 | 7,955,000 | 11,478,000 |
| Net interest income | 2,750,000 | 5,194,000 | 7,465,000 | 10,326,000 |
| Noninterest income | 164,000 | 330,000 | 485,000 | 646,000 |
| Noninterest expense | 806,000 | 1,583,000 | 2,340,000 | 3,165,000 |
| Provision for loan losses | 0 | 0 | 30,000 | 75,000 |
| Pretax income | 2,108,000 | 3,941,000 | 5,580,000 | 7,732,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,108,000 | 3,941,000 | 5,580,000 | 7,732,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,040,000 | 30,014,000 | 31,652,000 | 35,105,000 |
| Total capital | 30,602,000 | 30,513,000 | 32,134,000 | 35,625,000 |
| Risk-weighted assets | 123,577,000 | 128,240,000 | 137,398,000 | 151,651,000 |
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