Call reports 2020
FRONTIER BANK OF TEXAS — 2020
What FRONTIER BANK OF TEXAS reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 395,587,000 | 443,848,000 | 440,392,000 | 470,526,000 |
| Total loans | 298,790,000 | 328,835,000 | 333,652,000 | 344,082,000 |
| Allowance for loan losses | 2,080,000 | 2,595,000 | 2,595,000 | 2,594,000 |
| Securities available for sale | 12,639,000 | 23,146,000 | 23,573,000 | 24,743,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 321,526,000 | 368,355,000 | 363,725,000 | 385,182,000 |
| Interest-bearing deposits | 241,790,000 | 253,199,000 | 259,094,000 | 265,338,000 |
| Noninterest-bearing deposits | 79,736,000 | 115,156,000 | 104,631,000 | 119,844,000 |
| Equity capital | 42,156,000 | 43,414,000 | 44,987,000 | 53,688,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,506,000 | 8,854,000 | 13,472,000 | 18,285,000 |
| Interest expense | 973,000 | 1,864,000 | 2,592,000 | 3,202,000 |
| Net interest income | 3,533,000 | 6,990,000 | 10,880,000 | 15,083,000 |
| Noninterest income | 368,000 | 1,585,000 | 2,176,000 | 2,636,000 |
| Noninterest expense | 2,702,000 | 5,415,000 | 8,086,000 | 10,882,000 |
| Provision for loan losses | 481,000 | 999,000 | 1,008,000 | 1,132,000 |
| Pretax income | 727,000 | 2,170,000 | 3,971,000 | 5,807,000 |
| Income tax | 152,000 | 454,000 | 814,000 | 1,087,000 |
| Net income | 575,000 | 1,716,000 | 3,157,000 | 4,720,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,082,000 | 43,088,000 | 44,484,000 | 53,101,000 |
| Total capital | 44,162,000 | 45,683,000 | 47,079,000 | 55,695,000 |
| Risk-weighted assets | 300,055,000 | 300,219,000 | 312,879,000 | 334,866,000 |