Call reports 2015
FRONTIER BANK OF TEXAS — 2015
What FRONTIER BANK OF TEXAS reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 151,160,000 | 143,806,000 | 142,480,000 | 144,791,000 |
| Total loans | 80,757,000 | 82,339,000 | 86,011,000 | 89,972,000 |
| Allowance for loan losses | 473,000 | 460,000 | 503,000 | 507,000 |
| Securities available for sale | 47,532,000 | 44,717,000 | 43,178,000 | 41,140,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,289,000 | 117,161,000 | 115,863,000 | 118,216,000 |
| Interest-bearing deposits | 99,950,000 | 92,837,000 | 91,989,000 | 93,710,000 |
| Noninterest-bearing deposits | 24,339,000 | 24,324,000 | 23,874,000 | 24,505,000 |
| Equity capital | 26,277,000 | 26,177,000 | 26,057,000 | 26,148,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,398,000 | 2,813,000 | 4,293,000 | 5,821,000 |
| Interest expense | 141,000 | 279,000 | 413,000 | 550,000 |
| Net interest income | 1,257,000 | 2,534,000 | 3,880,000 | 5,271,000 |
| Noninterest income | 160,000 | 324,000 | 495,000 | 659,000 |
| Noninterest expense | 1,045,000 | 2,100,000 | 3,240,000 | 4,396,000 |
| Provision for loan losses | 9,000 | 11,000 | 70,000 | 71,000 |
| Pretax income | 363,000 | 768,000 | 1,087,000 | 1,512,000 |
| Income tax | 124,000 | 261,000 | 352,000 | 450,000 |
| Net income | 239,000 | 507,000 | 735,000 | 1,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,147,000 | 26,409,000 | 26,006,000 | 25,885,000 |
| Total capital | 26,620,000 | 26,869,000 | 26,509,000 | 26,392,000 |
| Risk-weighted assets | 79,739,000 | 80,117,000 | 82,885,000 | 86,535,000 |