Call reports 2021
FRONTIER COMMUNITY BANK — 2021
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 144,479,000 | 142,523,000 | 148,640,000 | 146,701,000 |
| Total loans | 119,778,000 | 121,472,000 | 115,652,000 | 113,377,000 |
| Allowance for loan losses | 1,129,000 | 1,148,000 | 1,158,000 | 1,168,000 |
| Securities available for sale | 6,098,000 | 6,078,000 | 6,066,000 | 5,981,000 |
| Securities held to maturity | 151,000 | 115,000 | 91,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 124,147,000 | 123,365,000 | 129,137,000 | 127,074,000 |
| Interest-bearing deposits | 104,471,000 | 103,159,000 | 108,521,000 | 109,050,000 |
| Noninterest-bearing deposits | 19,676,000 | 20,206,000 | 20,616,000 | 18,024,000 |
| Equity capital | 14,929,000 | 15,063,000 | 15,355,000 | 15,538,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 1,440,000 | 2,797,000 | 4,208,000 | 5,560,000 |
| Interest expense | 341,000 | 656,000 | 948,000 | 1,225,000 |
| Net interest income | 1,099,000 | 2,141,000 | 3,260,000 | 4,335,000 |
| Noninterest income | 140,000 | 313,000 | 488,000 | 639,000 |
| Noninterest expense | 858,000 | 1,796,000 | 2,709,000 | 3,622,000 |
| Provision for loan losses | 29,000 | 48,000 | 58,000 | 68,000 |
| Pretax income | 352,000 | 610,000 | 981,000 | 1,284,000 |
| Income tax | 75,000 | 132,000 | 212,000 | 273,000 |
| Net income | 277,000 | 478,000 | 769,000 | 1,011,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,980,000 | 15,120,000 | 15,412,000 | 15,653,000 |
| Total capital | 16,109,000 | 16,268,000 | 16,570,000 | 16,821,000 |
| Risk-weighted assets | 100,668,000 | 103,122,000 | 101,043,000 | 99,708,000 |