Call reports 2007
FRONTIER BANK — 2007
What FRONTIER BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 3,240,696,000 | 3,494,270,000 | 3,496,623,000 | 3,873,712,000 |
| Total loans | 3,031,455,000 | 3,206,596,000 | 3,331,200,000 | 3,624,967,000 |
| Allowance for loan losses | 41,755,000 | 42,846,000 | 45,113,000 | 53,995,000 |
| Securities available for sale | 69,975,000 | 65,211,000 | 61,611,000 | 98,862,000 |
| Securities held to maturity | 3,599,000 | 3,599,000 | 3,534,000 | 3,744,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 2,571,547,000 | 2,834,046,000 | 2,820,613,000 | 2,943,389,000 |
| Interest-bearing deposits | 2,172,598,000 | 2,442,790,000 | 2,409,306,000 | 2,808,097,000 |
| Noninterest-bearing deposits | 398,949,000 | 391,256,000 | 411,307,000 | 135,292,000 |
| Equity capital | 317,244,000 | 306,363,000 | 319,719,000 | 350,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 68,425,000 | 142,048,000 | 219,657,000 | 298,707,000 |
| Interest expense | 25,718,000 | 53,419,000 | 82,897,000 | 112,694,000 |
| Net interest income | 42,707,000 | 88,629,000 | 136,760,000 | 186,013,000 |
| Noninterest income | 3,445,000 | 7,031,000 | 10,609,000 | 14,347,000 |
| Noninterest expense | 17,943,000 | 36,960,000 | 54,975,000 | 73,390,000 |
| Provision for loan losses | 1,139,000 | 2,515,000 | 4,790,000 | 11,283,000 |
| Pretax income | 27,070,000 | 55,248,000 | 86,667,000 | 114,750,000 |
| Income tax | 9,205,000 | 18,748,000 | 29,342,000 | 38,804,000 |
| Net income | 17,865,000 | 36,500,000 | 57,325,000 | 75,946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 317,865,000 | 307,102,000 | 320,170,000 | 350,935,000 |
| Total capital | 357,121,000 | 349,108,000 | 363,230,000 | 397,844,000 |
| Risk-weighted assets | 3,134,644,000 | 3,355,294,000 | 3,438,554,000 | 3,745,292,000 |