Call reports 2018
FRONTIER COMMUNITY BANK — 2018
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 117,708,000 | 119,550,000 | 124,359,000 | 123,654,000 |
| Total loans | 96,483,000 | 99,447,000 | 103,568,000 | 103,434,000 |
| Allowance for loan losses | 1,164,000 | 1,191,000 | 1,228,000 | 1,241,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 729,000 | 696,000 | 664,000 | 642,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 100,319,000 | 103,893,000 | 104,422,000 | 104,085,000 |
| Interest-bearing deposits | 91,407,000 | 93,390,000 | 94,669,000 | 94,686,000 |
| Noninterest-bearing deposits | 8,912,000 | 10,503,000 | 9,753,000 | 9,399,000 |
| Equity capital | 12,218,000 | 12,407,000 | 12,621,000 | 12,864,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 1,209,000 | 2,463,000 | 3,794,000 | 5,172,000 |
| Interest expense | 268,000 | 574,000 | 923,000 | 1,321,000 |
| Net interest income | 941,000 | 1,889,000 | 2,871,000 | 3,851,000 |
| Noninterest income | 51,000 | 142,000 | 201,000 | 269,000 |
| Noninterest expense | 756,000 | 1,512,000 | 2,255,000 | 2,993,000 |
| Provision for loan losses | 23,000 | 50,000 | 87,000 | 100,000 |
| Pretax income | 213,000 | 469,000 | 730,000 | 1,027,000 |
| Income tax | 51,000 | 129,000 | 185,000 | 250,000 |
| Net income | 162,000 | 340,000 | 545,000 | 777,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,218,000 | 12,407,000 | 12,621,000 | 12,864,000 |
| Total capital | 13,304,000 | 13,518,000 | 13,759,000 | 13,997,000 |
| Risk-weighted assets | 86,845,000 | 88,840,000 | 91,029,000 | 90,585,000 |