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 | 586,325,000 | 652,812,000 | 734,837,000 | 795,404,000 |
| Total loans | 480,589,000 | 518,005,000 | 574,158,000 | 613,943,000 |
| Allowance for loan losses | 4,610,000 | 4,814,000 | 5,381,000 | 5,775,000 |
| Securities available for sale | 25,126,000 | 26,836,000 | 26,714,000 | 48,216,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 465,334,000 | 523,136,000 | 594,234,000 | 643,483,000 |
| Interest-bearing deposits | 435,844,000 | 484,976,000 | 559,908,000 | 601,234,000 |
| Noninterest-bearing deposits | 29,490,000 | 38,160,000 | 34,326,000 | 42,249,000 |
| Equity capital | 51,911,000 | 57,163,000 | 60,159,000 | 66,117,000 |
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 | 8,968,000 | 19,553,000 | 31,941,000 | 46,302,000 |
| Interest expense | 3,622,000 | 8,151,000 | 13,580,000 | 20,150,000 |
| Net interest income | 5,346,000 | 11,402,000 | 18,361,000 | 26,152,000 |
| Noninterest income | 449,000 | 827,000 | 1,427,000 | 2,187,000 |
| Noninterest expense | 2,784,000 | 6,307,000 | 9,703,000 | 13,327,000 |
| Provision for loan losses | 500,000 | 1,250,000 | 2,281,000 | 3,208,000 |
| Pretax income | 2,511,000 | 4,672,000 | 7,804,000 | 11,804,000 |
| Income tax | 900,000 | 1,670,000 | 2,792,000 | 4,233,000 |
| Net income | 1,611,000 | 3,002,000 | 5,012,000 | 7,571,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 51,918,000 | 56,933,000 | 60,069,000 | 66,222,000 |
| Total capital | 56,528,000 | 61,747,000 | 65,450,000 | 71,997,000 |
| Risk-weighted assets | 507,218,000 | 559,366,000 | 621,329,000 | 665,330,000 |