Call reports 2016
FRONTIER COMMUNITY BANK — 2016
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 103,438,000 | 103,653,000 | 103,524,000 | 104,254,000 |
| Total loans | 81,812,000 | 84,451,000 | 84,029,000 | 83,786,000 |
| Allowance for loan losses | 1,014,000 | 1,048,000 | 1,060,000 | 1,016,000 |
| Securities available for sale | 1,997,000 | 2,002,000 | 2,001,000 | 1,998,000 |
| Securities held to maturity | 500,000 | 1,524,000 | 1,474,000 | 899,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 89,507,000 | 89,523,000 | 89,351,000 | 87,482,000 |
| Interest-bearing deposits | 81,258,000 | 81,702,000 | 81,352,000 | 79,066,000 |
| Noninterest-bearing deposits | 8,249,000 | 7,821,000 | 7,999,000 | 8,416,000 |
| Equity capital | 11,203,000 | 11,341,000 | 11,505,000 | 11,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 1,011,000 | 2,025,000 | 3,062,000 | 4,095,000 |
| Interest expense | 227,000 | 432,000 | 635,000 | 834,000 |
| Net interest income | 784,000 | 1,593,000 | 2,427,000 | 3,261,000 |
| Noninterest income | 44,000 | 138,000 | 200,000 | 252,000 |
| Noninterest expense | 654,000 | 1,329,000 | 1,991,000 | 2,738,000 |
| Provision for loan losses | -39,000 | -5,000 | 7,000 | -37,000 |
| Pretax income | 213,000 | 407,000 | 629,000 | 812,000 |
| Income tax | 79,000 | 155,000 | 228,000 | 291,000 |
| Net income | 134,000 | 252,000 | 401,000 | 521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,203,000 | 11,341,000 | 11,505,000 | 11,639,000 |
| Total capital | 12,125,000 | 12,291,000 | 12,444,000 | 12,578,000 |
| Risk-weighted assets | 73,631,000 | 75,934,000 | 75,001,000 | 75,042,000 |