Call reports 2005
NEW FRONTIER BANK — 2005
What NEW FRONTIER BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 108,580,000 | 114,939,000 | 119,160,000 | 119,054,000 |
| Total loans | 91,347,000 | 94,086,000 | 91,690,000 | 90,395,000 |
| Allowance for loan losses | 824,000 | 891,000 | 928,000 | 955,000 |
| Securities available for sale | 8,172,000 | 7,732,000 | 14,494,000 | 13,427,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,847,000 | 89,008,000 | 93,032,000 | 94,891,000 |
| Interest-bearing deposits | 73,925,000 | 76,903,000 | 80,333,000 | 81,744,000 |
| Noninterest-bearing deposits | 10,922,000 | 12,105,000 | 12,699,000 | 13,147,000 |
| Equity capital | 13,374,000 | 13,510,000 | 13,598,000 | 13,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,439,000 | 3,035,000 | 4,754,000 | 6,520,000 |
| Interest expense | 485,000 | 1,091,000 | 1,763,000 | 2,477,000 |
| Net interest income | 954,000 | 1,944,000 | 2,991,000 | 4,043,000 |
| Noninterest income | 124,000 | 270,000 | 424,000 | 570,000 |
| Noninterest expense | 916,000 | 1,853,000 | 2,839,000 | 3,808,000 |
| Provision for loan losses | 55,000 | 110,000 | 155,000 | 200,000 |
| Pretax income | 107,000 | 251,000 | 421,000 | 605,000 |
| Income tax | 27,000 | 64,000 | 117,000 | 178,000 |
| Net income | 80,000 | 187,000 | 304,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,151,000 | 13,309,000 | 13,465,000 | 13,636,000 |
| Total capital | 14,063,000 | 14,282,000 | 14,486,000 | 14,681,000 |
| Risk-weighted assets | 92,798,000 | 95,019,000 | 94,692,000 | 97,267,000 |