Call reports 2012
FRONTIER BANK OF TEXAS — 2012
What FRONTIER BANK OF TEXAS reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 118,579,000 | 120,951,000 | 123,236,000 | 123,848,000 |
| Total loans | 58,628,000 | 63,234,000 | 64,683,000 | 63,784,000 |
| Allowance for loan losses | 323,000 | 350,000 | 385,000 | 378,000 |
| Securities available for sale | 36,923,000 | 35,028,000 | 35,890,000 | 38,879,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,624,000 | 95,548,000 | 97,206,000 | 98,125,000 |
| Interest-bearing deposits | 79,800,000 | 79,662,000 | 81,101,000 | 81,764,000 |
| Noninterest-bearing deposits | 13,824,000 | 15,886,000 | 16,105,000 | 16,361,000 |
| Equity capital | 24,789,000 | 25,138,000 | 25,573,000 | 25,489,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,111,000 | 2,295,000 | 3,475,000 | 4,639,000 |
| Interest expense | 210,000 | 399,000 | 588,000 | 781,000 |
| Net interest income | 901,000 | 1,896,000 | 2,887,000 | 3,858,000 |
| Noninterest income | 127,000 | 248,000 | 367,000 | 495,000 |
| Noninterest expense | 887,000 | 1,778,000 | 2,700,000 | 3,630,000 |
| Provision for loan losses | 47,000 | 74,000 | 114,000 | 151,000 |
| Pretax income | 139,000 | 337,000 | 485,000 | 621,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 139,000 | 337,000 | 485,000 | 621,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,671,000 | 24,871,000 | 25,029,000 | 25,177,000 |
| Total capital | 24,994,000 | 25,221,000 | 25,414,000 | 25,555,000 |
| Risk-weighted assets | 62,206,000 | 66,008,000 | 66,173,000 | 66,338,000 |