Yes, it's frozen

I took this pic today, when the temperatures were more, well, temperate. It must have been all of 25° out.
But try taking pics on a single-digit day, and you’ll find that the term “bone-chilling” is not just metaphorical. After a few minutes, your finger bones – phalanges, as they’re known – actually become chilled (or at least that’s how it feels), due to the exceedingly thin layers of skin, fat, and muscle covering them.