Call reports 2012
FRONTIER STATE BANK — 2012
What FRONTIER STATE BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 563,167,000 | 562,405,000 | 579,865,000 | 576,451,000 |
| Total loans | 353,436,000 | 382,665,000 | 408,917,000 | 421,150,000 |
| Allowance for loan losses | 6,348,000 | 6,590,000 | 5,686,000 | 6,443,000 |
| Securities available for sale | 90,355,000 | 78,239,000 | 65,749,000 | 47,658,000 |
| Securities held to maturity | 14,609,000 | 8,582,000 | 6,723,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,512,000 | 357,634,000 | 379,499,000 | 372,312,000 |
| Interest-bearing deposits | 324,657,000 | 318,186,000 | 342,063,000 | 333,499,000 |
| Noninterest-bearing deposits | 32,854,000 | 39,448,000 | 37,436,000 | 38,813,000 |
| Equity capital | 59,619,000 | 58,492,000 | 53,759,000 | 58,074,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 7,041,000 | 13,707,000 | 20,745,000 | 27,765,000 |
| Interest expense | 3,217,000 | 6,382,000 | 9,561,000 | 12,660,000 |
| Net interest income | 3,824,000 | 7,325,000 | 11,184,000 | 15,105,000 |
| Noninterest income | 1,250,000 | 2,188,000 | 3,611,000 | 4,951,000 |
| Noninterest expense | 2,842,000 | 5,640,000 | 12,223,000 | 15,406,000 |
| Provision for loan losses | 300,000 | 600,000 | 4,128,000 | 4,928,000 |
| Pretax income | 1,932,000 | 3,273,000 | -1,269,000 | 976,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,932,000 | 3,273,000 | -1,269,000 | 976,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 57,637,000 | 56,479,000 | 51,937,000 | 57,182,000 |
| Total capital | 62,595,000 | 61,756,000 | 57,623,000 | 63,336,000 |
| Risk-weighted assets | 395,238,000 | 420,876,000 | 455,817,000 | 491,973,000 |