Call reports 2019
FRONTIER COMMUNITY BANK — 2019
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 128,240,000 | 131,697,000 | 136,463,000 | 135,338,000 |
| Total loans | 108,314,000 | 108,540,000 | 109,925,000 | 109,433,000 |
| Allowance for loan losses | 1,245,000 | 1,197,000 | 1,156,000 | 1,100,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 624,000 | 596,000 | 563,000 | 517,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,528,000 | 113,935,000 | 118,348,000 | 117,029,000 |
| Interest-bearing deposits | 100,342,000 | 103,789,000 | 107,765,000 | 106,988,000 |
| Noninterest-bearing deposits | 9,186,000 | 10,146,000 | 10,583,000 | 10,041,000 |
| Equity capital | 13,075,000 | 13,311,000 | 13,598,000 | 13,905,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 1,429,000 | 2,895,000 | 4,411,000 | 5,918,000 |
| Interest expense | 446,000 | 940,000 | 1,453,000 | 1,956,000 |
| Net interest income | 983,000 | 1,955,000 | 2,958,000 | 3,962,000 |
| Noninterest income | 68,000 | 141,000 | 256,000 | 314,000 |
| Noninterest expense | 781,000 | 1,583,000 | 2,386,000 | 3,125,000 |
| Provision for loan losses | 4,000 | -44,000 | -85,000 | -141,000 |
| Pretax income | 266,000 | 557,000 | 913,000 | 1,292,000 |
| Income tax | 62,000 | 125,000 | 201,000 | 279,000 |
| Net income | 204,000 | 432,000 | 712,000 | 1,013,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,075,000 | 13,311,000 | 13,598,000 | 13,905,000 |
| Total capital | 14,252,000 | 14,497,000 | 14,754,000 | 15,005,000 |
| Risk-weighted assets | 94,155,000 | 94,929,000 | 96,223,000 | 95,761,000 |