Call reports 2011
FRONTIER COMMUNITY BANK — 2011
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 72,955,000 | 73,216,000 | 74,759,000 | 79,767,000 |
| Total loans | 63,940,000 | 65,367,000 | 66,932,000 | 68,055,000 |
| Allowance for loan losses | 922,000 | 943,000 | 965,000 | 990,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,396,000 | 65,568,000 | 66,976,000 | 71,925,000 |
| Interest-bearing deposits | 62,182,000 | 62,072,000 | 64,191,000 | 67,770,000 |
| Noninterest-bearing deposits | 3,214,000 | 3,496,000 | 2,785,000 | 4,155,000 |
| Equity capital | 7,377,000 | 7,458,000 | 7,608,000 | 7,697,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 893,000 | 1,819,000 | 2,756,000 | 3,711,000 |
| Interest expense | 348,000 | 715,000 | 1,063,000 | 1,423,000 |
| Net interest income | 545,000 | 1,104,000 | 1,693,000 | 2,288,000 |
| Noninterest income | 9,000 | 23,000 | 34,000 | 47,000 |
| Noninterest expense | 488,000 | 990,000 | 1,431,000 | 1,928,000 |
| Provision for loan losses | 44,000 | 65,000 | 87,000 | 112,000 |
| Pretax income | 22,000 | 72,000 | 209,000 | 295,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 22,000 | 72,000 | 209,000 | 295,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,377,000 | 7,458,000 | 7,608,000 | 7,697,000 |
| Total capital | 8,136,000 | 8,233,000 | 8,415,000 | 8,512,000 |
| Risk-weighted assets | 60,561,000 | 61,839,000 | 64,375,000 | 65,059,000 |