Call reports 2004
FRONTIER BANK — 2004
What FRONTIER BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 2,131,864,000 | 2,179,264,000 | 2,214,142,000 | 2,218,401,000 |
| Total loans | 1,840,524,000 | 1,898,362,000 | 1,957,669,000 | 1,992,186,000 |
| Allowance for loan losses | 28,170,000 | 28,794,000 | 28,950,000 | 30,532,000 |
| Securities available for sale | 136,385,000 | 125,981,000 | 115,590,000 | 112,344,000 |
| Securities held to maturity | 12,088,000 | 10,957,000 | 10,515,000 | 7,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,722,408,000 | 1,766,290,000 | 1,785,889,000 | 1,796,442,000 |
| Interest-bearing deposits | 1,460,329,000 | 1,484,313,000 | 1,491,834,000 | 1,499,914,000 |
| Noninterest-bearing deposits | 262,079,000 | 281,977,000 | 294,055,000 | 296,528,000 |
| Equity capital | 206,851,000 | 211,678,000 | 222,576,000 | 230,094,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 33,406,000 | 67,326,000 | 102,688,000 | 140,300,000 |
| Interest expense | 8,557,000 | 16,848,000 | 25,561,000 | 34,940,000 |
| Net interest income | 24,849,000 | 50,478,000 | 77,127,000 | 105,360,000 |
| Noninterest income | 3,134,000 | 6,645,000 | 9,874,000 | 13,797,000 |
| Noninterest expense | 10,429,000 | 22,872,000 | 35,471,000 | 48,758,000 |
| Provision for loan losses | 2,100,000 | 2,769,000 | 3,455,000 | 4,878,000 |
| Pretax income | 15,454,000 | 31,499,000 | 48,102,000 | 65,477,000 |
| Income tax | 5,209,000 | 10,761,000 | 16,320,000 | 22,179,000 |
| Net income | 10,245,000 | 20,738,000 | 31,782,000 | 43,298,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 199,960,000 | 206,785,000 | 216,472,000 | 224,118,000 |
| Total capital | 225,899,000 | 234,192,000 | 244,849,000 | 252,953,000 |
| Risk-weighted assets | 2,070,893,000 | 2,188,861,000 | 2,266,984,000 | 2,302,723,000 |