Call reports 2016
FRONTIER STATE BANK — 2016
What FRONTIER STATE 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 | 687,429,000 | 661,171,000 | 650,380,000 | 634,132,000 |
| Total loans | 432,333,000 | 399,760,000 | 412,486,000 | 415,214,000 |
| Allowance for loan losses | 8,002,000 | 6,722,000 | 6,702,000 | 6,844,000 |
| Securities available for sale | 105,174,000 | 80,483,000 | 68,093,000 | 63,388,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 470,788,000 | 441,779,000 | 432,779,000 | 419,906,000 |
| Interest-bearing deposits | 435,780,000 | 408,317,000 | 400,188,000 | 389,205,000 |
| Noninterest-bearing deposits | 35,008,000 | 33,462,000 | 32,591,000 | 30,701,000 |
| Equity capital | 69,930,000 | 72,553,000 | 70,670,000 | 67,839,000 |
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 | 6,878,000 | 13,250,000 | 19,058,000 | 25,124,000 |
| Interest expense | 2,635,000 | 5,301,000 | 7,503,000 | 9,524,000 |
| Net interest income | 4,243,000 | 7,949,000 | 11,555,000 | 15,600,000 |
| Noninterest income | 83,000 | 184,000 | 241,000 | 353,000 |
| Noninterest expense | 2,604,000 | 5,655,000 | 9,273,000 | 12,397,000 |
| Provision for loan losses | 200,000 | 1,223,000 | 2,957,000 | 4,074,000 |
| Pretax income | 1,546,000 | 1,368,000 | -298,000 | -382,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,546,000 | 1,368,000 | -298,000 | -382,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 69,895,000 | 71,967,000 | 70,301,000 | 70,216,000 |
| Total capital | 77,090,000 | 78,689,000 | 77,003,000 | 76,964,000 |
| Risk-weighted assets | 574,802,000 | 537,972,000 | 548,429,000 | 539,734,000 |