Call reports 2025
FRONTIER STATE BANK — 2025
What FRONTIER STATE BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 561,601,000 | 584,120,000 | 580,146,000 | 588,365,000 |
| Total loans | 449,890,000 | 464,053,000 | 458,389,000 | 464,305,000 |
| Allowance for loan losses | 5,883,000 | 5,969,000 | 6,080,000 | 6,136,000 |
| Securities available for sale | 57,011,000 | 66,121,000 | 67,218,000 | 65,996,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 469,739,000 | 477,613,000 | 466,849,000 | 466,055,000 |
| Interest-bearing deposits | 414,719,000 | 425,883,000 | 415,366,000 | 413,791,000 |
| Noninterest-bearing deposits | 55,020,000 | 51,730,000 | 51,483,000 | 52,264,000 |
| Equity capital | 64,952,000 | 65,566,000 | 67,325,000 | 68,185,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 8,930,000 | 18,374,000 | 28,113,000 | 37,615,000 |
| Interest expense | 4,458,000 | 9,113,000 | 13,715,000 | 18,187,000 |
| Net interest income | 4,472,000 | 9,261,000 | 14,398,000 | 19,428,000 |
| Noninterest income | 81,000 | 167,000 | 254,000 | 420,000 |
| Noninterest expense | 2,220,000 | 4,539,000 | 6,817,000 | 9,186,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 278,000 |
| Pretax income | 2,298,000 | 4,783,000 | 7,675,000 | 10,438,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 2,298,000 | 4,783,000 | 7,675,000 | 10,438,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 67,432,000 | 67,917,000 | 68,810,000 | 69,572,000 |
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