Call reports 2002
FRONTIER NATIONAL BANK — 2002
What FRONTIER NATIONAL 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 | 92,231,000 | 94,675,000 | 7,786,000 |
| Total loans | 70,937,000 | 72,982,000 | 2,637,000 |
| Allowance for loan losses | 500,000 | 511,000 | 26,000 |
| Securities available for sale | 9,883,000 | 9,986,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 |
| Total deposits | 70,697,000 | 73,765,000 | 4,739,000 |
| Interest-bearing deposits | 61,459,000 | 62,998,000 | 4,736,000 |
| Noninterest-bearing deposits | 9,238,000 | 10,767,000 | 3,000 |
| Equity capital | 6,894,000 | 6,986,000 | 2,981,000 |
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 | 1,473,000 | 3,021,000 | 3,225,000 |
| Interest expense | 648,000 | 1,204,000 | 1,301,000 |
| Net interest income | 825,000 | 1,817,000 | 1,924,000 |
| Noninterest income | 178,000 | 286,000 | 304,000 |
| Noninterest expense | 578,000 | 1,291,000 | 1,429,000 |
| Provision for loan losses | 0 | 12,000 | 12,000 |
| Pretax income | 425,000 | 800,000 | 787,000 |
| Income tax | 118,000 | 242,000 | 237,000 |
| Net income | 307,000 | 558,000 | 550,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 |
|---|---|---|---|
| Tier 1 capital | 6,767,000 | 6,759,000 | 2,981,000 |
| Total capital | 7,267,000 | 7,270,000 | 3,007,000 |
| Risk-weighted assets | 66,372,000 | 67,720,000 | 4,535,000 |