Call reports 2022
FRONTIER COMMUNITY BANK — 2022
What FRONTIER COMMUNITY BANK reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 145,821,000 | 141,781,000 | 144,664,000 | 150,979,000 |
| Total loans | 109,841,000 | 121,151,000 | 125,386,000 | 125,651,000 |
| Allowance for loan losses | 1,168,000 | 1,281,000 | 1,294,000 | 1,294,000 |
| Securities available for sale | 10,954,000 | 10,370,000 | 9,887,000 | 9,806,000 |
| Securities held to maturity | 69,000 | 60,000 | 56,000 | 302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 126,121,000 | 122,493,000 | 122,321,000 | 130,667,000 |
| Interest-bearing deposits | 107,546,000 | 102,272,000 | 103,948,000 | 113,537,000 |
| Noninterest-bearing deposits | 18,575,000 | 20,221,000 | 18,373,000 | 17,130,000 |
| Equity capital | 15,562,000 | 15,237,000 | 15,260,000 | 15,099,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,501,000 | 3,955,000 | 5,589,000 |
| Interest expense | 261,000 | 496,000 | 795,000 | 1,254,000 |
| Net interest income | 971,000 | 2,005,000 | 3,160,000 | 4,335,000 |
| Noninterest income | 191,000 | 326,000 | 476,000 | 585,000 |
| Noninterest expense | 938,000 | 1,909,000 | 2,877,000 | 3,954,000 |
| Provision for loan losses | -19,000 | 94,000 | 107,000 | 107,000 |
| Pretax income | 243,000 | 328,000 | 652,000 | 859,000 |
| Income tax | 50,000 | 78,000 | 140,000 | 182,000 |
| Net income | 193,000 | 250,000 | 512,000 | 677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,846,000 | 15,842,000 | 16,104,000 | 16,269,000 |
| Total capital | 17,014,000 | 17,123,000 | 17,398,000 | 17,563,000 |
| Risk-weighted assets | 102,037,000 | 112,392,000 | 116,907,000 | 119,190,000 |