Call reports 2003
FRONTIER BANK — 2003
What FRONTIER BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 1,984,720,000 | 2,040,790,000 | 2,042,277,000 | 2,057,884,000 |
| Total loans | 1,666,424,000 | 1,678,525,000 | 1,730,904,000 | 1,783,908,000 |
| Allowance for loan losses | 28,909,000 | 28,966,000 | 25,130,000 | 25,982,000 |
| Securities available for sale | 82,397,000 | 86,723,000 | 172,777,000 | 149,522,000 |
| Securities held to maturity | 22,552,000 | 21,326,000 | 22,212,000 | 12,190,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,619,111,000 | 1,677,783,000 | 1,673,726,000 | 1,667,881,000 |
| Interest-bearing deposits | 1,399,261,000 | 1,446,237,000 | 1,422,892,000 | 1,416,623,000 |
| Noninterest-bearing deposits | 219,850,000 | 231,546,000 | 250,834,000 | 251,258,000 |
| Equity capital | 179,880,000 | 187,028,000 | 194,064,000 | 199,818,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 34,247,000 | 68,485,000 | 102,174,000 | 136,027,000 |
| Interest expense | 10,228,000 | 20,022,000 | 29,132,000 | 37,830,000 |
| Net interest income | 24,019,000 | 48,463,000 | 73,042,000 | 98,197,000 |
| Noninterest income | 2,800,000 | 5,828,000 | 9,045,000 | 11,768,000 |
| Noninterest expense | 10,978,000 | 22,190,000 | 33,490,000 | 45,766,000 |
| Provision for loan losses | 850,000 | 1,750,000 | 2,600,000 | 4,250,000 |
| Pretax income | 15,082,000 | 30,442,000 | 46,187,000 | 60,139,000 |
| Income tax | 5,294,000 | 10,453,000 | 15,682,000 | 20,221,000 |
| Net income | 9,788,000 | 19,989,000 | 30,505,000 | 39,918,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 173,181,000 | 179,833,000 | 186,886,000 | 192,994,000 |
| Total capital | 196,544,000 | 203,693,000 | 211,610,000 | 218,340,000 |
| Risk-weighted assets | 1,863,465,000 | 1,903,676,000 | 1,973,989,000 | 2,023,441,000 |