Call reports 2005
FRONTIER BANK — 2005
What FRONTIER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 2,361,339,000 | 2,472,789,000 | 2,540,574,000 | 2,599,503,000 |
| Total loans | 2,108,927,000 | 2,217,362,000 | 2,324,015,000 | 2,402,962,000 |
| Allowance for loan losses | 31,688,000 | 32,375,000 | 33,196,000 | 33,805,000 |
| Securities available for sale | 110,881,000 | 116,594,000 | 82,582,000 | 77,434,000 |
| Securities held to maturity | 7,421,000 | 7,419,000 | 7,416,000 | 5,713,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,886,725,000 | 1,977,379,000 | 2,025,259,000 | 2,061,785,000 |
| Interest-bearing deposits | 1,588,489,000 | 1,647,436,000 | 1,655,091,000 | 1,683,653,000 |
| Noninterest-bearing deposits | 298,237,000 | 329,943,000 | 370,168,000 | 378,133,000 |
| Equity capital | 230,292,000 | 240,463,000 | 248,740,000 | 259,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 38,359,000 | 81,529,000 | 128,221,000 | 178,691,000 |
| Interest expense | 10,525,000 | 23,021,000 | 36,654,000 | 51,736,000 |
| Net interest income | 27,834,000 | 58,508,000 | 91,567,000 | 126,955,000 |
| Noninterest income | 3,205,000 | 6,666,000 | 10,076,000 | 13,109,000 |
| Noninterest expense | 13,492,000 | 27,468,000 | 42,408,000 | 58,192,000 |
| Provision for loan losses | 734,000 | 1,475,000 | 2,308,000 | 3,126,000 |
| Pretax income | 16,813,000 | 36,231,000 | 56,927,000 | 78,746,000 |
| Income tax | 5,673,000 | 12,211,000 | 19,252,000 | 26,655,000 |
| Net income | 11,140,000 | 24,020,000 | 37,675,000 | 52,091,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 228,634,000 | 239,804,000 | 247,067,000 | 257,947,000 |
| Total capital | 258,978,000 | 269,650,000 | 277,938,000 | 289,801,000 |
| Risk-weighted assets | 2,423,824,000 | 2,382,621,000 | 2,464,168,000 | 2,544,700,000 |