Call reports 2008
FRONTIER STATE BANK — 2008
What FRONTIER STATE BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 717,167,000 | 719,040,000 | 726,177,000 | 733,066,000 |
| Total loans | 166,407,000 | 153,094,000 | 157,674,000 | 117,753,000 |
| Allowance for loan losses | 561,000 | 607,000 | 682,000 | 755,000 |
| Securities available for sale | 112,963,000 | 120,035,000 | 122,466,000 | 162,681,000 |
| Securities held to maturity | 336,314,000 | 358,291,000 | 403,938,000 | 397,076,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 351,027,000 | 409,473,000 | 397,212,000 | 412,896,000 |
| Interest-bearing deposits | 318,234,000 | 372,782,000 | 358,801,000 | 376,319,000 |
| Noninterest-bearing deposits | 32,793,000 | 36,691,000 | 38,411,000 | 36,577,000 |
| Equity capital | 52,125,000 | 48,287,000 | 50,615,000 | 66,760,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 9,280,000 | 19,478,000 | 30,619,000 | 43,031,000 |
| Interest expense | 5,197,000 | 10,114,000 | 15,409,000 | 19,723,000 |
| Net interest income | 4,083,000 | 9,364,000 | 15,210,000 | 23,308,000 |
| Noninterest income | 155,000 | 312,000 | 480,000 | 620,000 |
| Noninterest expense | 1,065,000 | 2,160,000 | 3,407,000 | 5,065,000 |
| Provision for loan losses | 45,000 | 90,000 | 165,000 | 255,000 |
| Pretax income | 3,128,000 | 7,426,000 | 12,118,000 | 18,608,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 3,128,000 | 7,426,000 | 12,118,000 | 18,608,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 55,559,000 | 54,857,000 | 54,550,000 | 56,039,000 |
| Total capital | 56,120,000 | 55,464,000 | 55,232,000 | 56,794,000 |
| Risk-weighted assets | 300,008,000 | 287,500,000 | 327,829,000 | 702,020,000 |
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