Call reports 2015
FRONTIER COMMUNITY BANK — 2015
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 92,972,000 | 96,159,000 | 101,076,000 | 102,065,000 |
| Total loans | 76,150,000 | 78,731,000 | 83,406,000 | 83,650,000 |
| Allowance for loan losses | 985,000 | 1,009,000 | 1,031,000 | 1,053,000 |
| Securities available for sale | 1,997,000 | 1,997,000 | 2,000,000 | 1,990,000 |
| Securities held to maturity | 500,000 | 500,000 | 500,000 | 500,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,077,000 | 83,202,000 | 85,969,000 | 88,176,000 |
| Interest-bearing deposits | 73,400,000 | 75,684,000 | 78,325,000 | 80,488,000 |
| Noninterest-bearing deposits | 6,677,000 | 7,518,000 | 7,644,000 | 7,688,000 |
| Equity capital | 10,428,000 | 10,518,000 | 10,642,000 | 10,663,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,867,000 | 2,864,000 | 3,887,000 |
| Interest expense | 241,000 | 482,000 | 698,000 | 927,000 |
| Net interest income | 672,000 | 1,385,000 | 2,166,000 | 2,960,000 |
| Noninterest income | 58,000 | 133,000 | 186,000 | 85,000 |
| Noninterest expense | 616,000 | 1,259,000 | 1,883,000 | 2,519,000 |
| Provision for loan losses | 25,000 | 49,000 | 71,000 | 93,000 |
| Pretax income | 89,000 | 210,000 | 398,000 | 433,000 |
| Income tax | 31,000 | 74,000 | 152,000 | 172,000 |
| Net income | 58,000 | 136,000 | 246,000 | 261,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,339,000 | 10,372,000 | 10,564,000 | 10,660,000 |
| Total capital | 11,195,000 | 11,276,000 | 11,507,000 | 11,600,000 |
| Risk-weighted assets | 68,387,000 | 72,172,000 | 75,327,000 | 75,097,000 |