Call reports 2012
FRONTIER COMMUNITY BANK — 2012
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 78,837,000 | 79,422,000 | 79,346,000 | 83,529,000 |
| Total loans | 68,824,000 | 67,715,000 | 70,123,000 | 73,592,000 |
| Allowance for loan losses | 1,028,000 | 1,029,000 | 1,040,000 | 1,073,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,843,000 | 71,299,000 | 70,233,000 | 75,090,000 |
| Interest-bearing deposits | 66,384,000 | 66,002,000 | 65,301,000 | 69,879,000 |
| Noninterest-bearing deposits | 4,459,000 | 5,297,000 | 4,932,000 | 5,211,000 |
| Equity capital | 7,820,000 | 7,944,000 | 8,096,000 | 8,251,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 951,000 | 1,887,000 | 2,823,000 | 3,769,000 |
| Interest expense | 303,000 | 592,000 | 873,000 | 1,151,000 |
| Net interest income | 648,000 | 1,295,000 | 1,950,000 | 2,618,000 |
| Noninterest income | 20,000 | 42,000 | 82,000 | 143,000 |
| Noninterest expense | 515,000 | 1,068,000 | 1,608,000 | 2,156,000 |
| Provision for loan losses | 38,000 | 39,000 | 50,000 | 83,000 |
| Pretax income | 115,000 | 230,000 | 374,000 | 522,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 115,000 | 230,000 | 374,000 | 522,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,820,000 | 7,944,000 | 8,096,000 | 8,251,000 |
| Total capital | 8,651,000 | 8,747,000 | 8,913,000 | 9,106,000 |
| Risk-weighted assets | 66,253,000 | 64,043,000 | 65,146,000 | 68,174,000 |