Call reports 2017
FRONTIER COMMUNITY BANK — 2017
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 110,458,000 | 110,681,000 | 113,496,000 | 113,203,000 |
| Total loans | 89,230,000 | 90,419,000 | 93,384,000 | 94,268,000 |
| Allowance for loan losses | 1,076,000 | 1,100,000 | 1,125,000 | 1,141,000 |
| Securities available for sale | 1,498,000 | 1,499,000 | 499,000 | 0 |
| Securities held to maturity | 866,000 | 839,000 | 801,000 | 756,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,751,000 | 96,931,000 | 99,555,000 | 99,234,000 |
| Interest-bearing deposits | 85,684,000 | 88,204,000 | 90,615,000 | 89,637,000 |
| Noninterest-bearing deposits | 8,067,000 | 8,727,000 | 8,940,000 | 9,597,000 |
| Equity capital | 11,725,000 | 11,844,000 | 11,972,000 | 12,043,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 1,040,000 | 2,136,000 | 3,279,000 | 4,447,000 |
| Interest expense | 209,000 | 450,000 | 703,000 | 959,000 |
| Net interest income | 831,000 | 1,686,000 | 2,576,000 | 3,488,000 |
| Noninterest income | 67,000 | 157,000 | 222,000 | 290,000 |
| Noninterest expense | 738,000 | 1,498,000 | 2,251,000 | 2,990,000 |
| Provision for loan losses | 60,000 | 84,000 | 109,000 | 125,000 |
| Pretax income | 100,000 | 261,000 | 438,000 | 663,000 |
| Income tax | 26,000 | 81,000 | 144,000 | 311,000 |
| Net income | 74,000 | 180,000 | 294,000 | 352,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,725,000 | 11,844,000 | 11,972,000 | 12,043,000 |
| Total capital | 12,736,000 | 12,871,000 | 13,030,000 | 13,114,000 |
| Risk-weighted assets | 80,780,000 | 82,083,000 | 84,554,000 | 85,627,000 |