Call reports 2013
FRONTIER COMMUNITY BANK — 2013
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 87,669,000 | 87,016,000 | 90,462,000 | 91,851,000 |
| Total loans | 71,415,000 | 71,704,000 | 75,395,000 | 76,308,000 |
| Allowance for loan losses | 1,085,000 | 1,097,000 | 972,000 | 988,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,787,000 | 77,047,000 | 80,412,000 | 80,721,000 |
| Interest-bearing deposits | 71,109,000 | 69,982,000 | 73,678,000 | 75,575,000 |
| Noninterest-bearing deposits | 6,678,000 | 7,065,000 | 6,734,000 | 5,146,000 |
| Equity capital | 9,142,000 | 9,331,000 | 9,438,000 | 9,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 918,000 | 1,797,000 | 2,712,000 | 3,659,000 |
| Interest expense | 263,000 | 529,000 | 792,000 | 1,060,000 |
| Net interest income | 655,000 | 1,268,000 | 1,920,000 | 2,599,000 |
| Noninterest income | 67,000 | 130,000 | 172,000 | 206,000 |
| Noninterest expense | 549,000 | 1,128,000 | 1,664,000 | 2,276,000 |
| Provision for loan losses | 12,000 | 24,000 | 86,000 | 102,000 |
| Pretax income | 161,000 | 246,000 | 342,000 | 427,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 161,000 | 246,000 | 342,000 | 427,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,142,000 | 9,331,000 | 9,438,000 | 9,534,000 |
| Total capital | 9,987,000 | 10,177,000 | 10,308,000 | 10,410,000 |
| Risk-weighted assets | 67,342,000 | 67,404,000 | 69,510,000 | 69,960,000 |