Call reports 2002
FRONTIER STATE BANK — 2002
What FRONTIER STATE BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Total assets | 100,639,000 | 93,866,000 | 94,232,000 |
| Total loans | 65,722,000 | 62,008,000 | 55,503,000 |
| Allowance for loan losses | 1,201,000 | 968,000 | 1,218,000 |
| Securities available for sale | 19,745,000 | 20,187,000 | 17,036,000 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 93,356,000 | 86,450,000 | 87,190,000 |
| Interest-bearing deposits | 69,070,000 | 64,071,000 | 62,628,000 |
| Noninterest-bearing deposits | 24,287,000 | 22,379,000 | 24,562,000 |
| Equity capital | 6,843,000 | 6,843,000 | 6,779,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Interest income | 1,632,000 | 3,182,000 | 4,508,000 |
| Interest expense | 421,000 | 763,000 | 1,050,000 |
| Net interest income | 1,211,000 | 2,419,000 | 3,458,000 |
| Noninterest income | 312,000 | 596,000 | 879,000 |
| Noninterest expense | 1,565,000 | 3,092,000 | 4,523,000 |
| Provision for loan losses | 90,000 | 150,000 | 210,000 |
| Pretax income | -132,000 | -212,000 | -221,000 |
| Income tax | -61,000 | -96,000 | -95,000 |
| Net income | -71,000 | -116,000 | -126,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 6,833,000 | 6,753,000 | 6,714,000 |
| Total capital | 7,716,000 | 7,559,000 | 7,458,000 |
| Risk-weighted assets | 70,159,000 | 64,337,000 | 59,041,000 |