Call reports 2015
FRONTIER STATE BANK — 2015
What FRONTIER STATE 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 | 682,508,000 | 691,093,000 | 672,059,000 | 678,593,000 |
| Total loans | 499,204,000 | 501,786,000 | 497,899,000 | 492,622,000 |
| Allowance for loan losses | 7,722,000 | 7,907,000 | 7,754,000 | 8,034,000 |
| Securities available for sale | 82,333,000 | 68,762,000 | 73,909,000 | 83,549,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 461,495,000 | 474,045,000 | 449,894,000 | 458,579,000 |
| Interest-bearing deposits | 429,492,000 | 440,402,000 | 411,746,000 | 421,893,000 |
| Noninterest-bearing deposits | 32,003,000 | 33,643,000 | 38,148,000 | 36,686,000 |
| Equity capital | 74,316,000 | 70,250,000 | 74,840,000 | 65,453,000 |
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 | 7,260,000 | 14,291,000 | 21,283,000 | 27,641,000 |
| Interest expense | 2,727,000 | 5,474,000 | 8,186,000 | 10,889,000 |
| Net interest income | 4,533,000 | 8,817,000 | 13,097,000 | 16,752,000 |
| Noninterest income | 106,000 | 173,000 | 275,000 | 993,000 |
| Noninterest expense | 2,226,000 | 4,819,000 | 7,104,000 | 9,772,000 |
| Provision for loan losses | 300,000 | 500,000 | 600,000 | 7,784,000 |
| Pretax income | 2,113,000 | 3,671,000 | 5,668,000 | 353,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,113,000 | 3,671,000 | 5,668,000 | 353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 75,306,000 | 75,287,000 | 75,941,000 | 69,084,000 |
| Total capital | 83,028,000 | 83,194,000 | 83,583,000 | 76,896,000 |
| Risk-weighted assets | 665,681,000 | 638,822,000 | 611,246,000 | 624,701,000 |
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