Call reports 2016
FRONTIER BANK OF TEXAS — 2016
What FRONTIER BANK OF TEXAS reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 146,767,000 | 147,061,000 | 153,807,000 | 160,220,000 |
| Total loans | 89,049,000 | 94,361,000 | 103,435,000 | 114,944,000 |
| Allowance for loan losses | 492,000 | 534,000 | 583,000 | 643,000 |
| Securities available for sale | 39,992,000 | 38,641,000 | 30,818,000 | 28,421,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 119,495,000 | 119,303,000 | 125,798,000 | 132,737,000 |
| Interest-bearing deposits | 92,990,000 | 92,507,000 | 96,485,000 | 101,873,000 |
| Noninterest-bearing deposits | 26,505,000 | 26,796,000 | 29,313,000 | 30,864,000 |
| Equity capital | 26,620,000 | 27,072,000 | 27,275,000 | 27,027,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,507,000 | 3,041,000 | 4,671,000 | 6,429,000 |
| Interest expense | 131,000 | 262,000 | 395,000 | 530,000 |
| Net interest income | 1,376,000 | 2,779,000 | 4,276,000 | 5,899,000 |
| Noninterest income | 185,000 | 355,000 | 533,000 | 723,000 |
| Noninterest expense | 1,155,000 | 2,410,000 | 3,649,000 | 4,955,000 |
| Provision for loan losses | 24,000 | 60,000 | 105,000 | 161,000 |
| Pretax income | 379,000 | 682,000 | 1,103,000 | 1,556,000 |
| Income tax | 129,000 | 232,000 | 375,000 | 460,000 |
| Net income | 250,000 | 450,000 | 728,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,572,000 | 26,783,000 | 27,062,000 | 27,431,000 |
| Total capital | 27,064,000 | 27,317,000 | 27,645,000 | 28,074,000 |
| Risk-weighted assets | 85,892,000 | 90,617,000 | 97,627,000 | 110,421,000 |