Call reports 2012
FRONTIER BANK — 2012
What FRONTIER BANK 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 | 154,913,000 | 151,728,000 | 151,088,000 | 157,683,000 |
| Total loans | 85,824,000 | 83,966,000 | 84,129,000 | 93,076,000 |
| Allowance for loan losses | 1,255,000 | 1,192,000 | 1,192,000 | 1,255,000 |
| Securities available for sale | 50,775,000 | 47,750,000 | 52,451,000 | 50,852,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,701,000 | 105,545,000 | 105,871,000 | 112,756,000 |
| Interest-bearing deposits | 97,997,000 | 95,235,000 | 93,838,000 | 98,277,000 |
| Noninterest-bearing deposits | 11,704,000 | 10,310,000 | 12,033,000 | 14,479,000 |
| Equity capital | 14,322,000 | 15,304,000 | 16,286,000 | 16,155,000 |
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 | 1,736,000 | 3,428,000 | 5,026,000 | 6,674,000 |
| Interest expense | 538,000 | 1,063,000 | 1,568,000 | 2,055,000 |
| Net interest income | 1,198,000 | 2,365,000 | 3,458,000 | 4,619,000 |
| Noninterest income | 188,000 | 388,000 | 814,000 | 1,054,000 |
| Noninterest expense | 926,000 | 1,894,000 | 2,817,000 | 3,856,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 190,000 |
| Pretax income | 360,000 | 937,000 | 1,599,000 | 1,871,000 |
| Income tax | 23,000 | 45,000 | 79,000 | 102,000 |
| Net income | 337,000 | 892,000 | 1,520,000 | 1,769,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,945,000 | 13,580,000 | 14,227,000 | 14,558,000 |
| Total capital | 14,200,000 | 14,772,000 | 15,419,000 | 15,813,000 |
| Risk-weighted assets | 108,820,000 | 105,235,000 | 105,906,000 | 114,111,000 |