Call reports 2001
FRONTENAC BANK — 2001
What FRONTENAC BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 88,207,000 | 91,941,000 | 94,024,000 | 105,705,000 |
| Total loans | 61,264,000 | 66,855,000 | 69,198,000 | 76,265,000 |
| Allowance for loan losses | 609,000 | 652,000 | 699,000 | 756,000 |
| Securities available for sale | 11,235,000 | 11,130,000 | 13,062,000 | 12,043,000 |
| Securities held to maturity | 1,235,000 | 1,236,000 | 1,238,000 | 1,239,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,554,000 | 81,038,000 | 81,651,000 | 88,135,000 |
| Interest-bearing deposits | 73,106,000 | 76,121,000 | 77,012,000 | 82,465,000 |
| Noninterest-bearing deposits | 4,448,000 | 4,917,000 | 4,638,000 | 5,670,000 |
| Equity capital | 10,191,000 | 10,267,000 | 10,461,000 | 10,544,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 1,604,000 | 3,210,000 | 4,794,000 | 6,357,000 |
| Interest expense | 1,043,000 | 2,080,000 | 3,044,000 | 3,962,000 |
| Net interest income | 561,000 | 1,130,000 | 1,750,000 | 2,395,000 |
| Noninterest income | 67,000 | 121,000 | 208,000 | 314,000 |
| Noninterest expense | 482,000 | 983,000 | 1,455,000 | 1,883,000 |
| Provision for loan losses | 74,000 | 117,000 | 164,000 | 317,000 |
| Pretax income | 72,000 | 151,000 | 351,000 | 521,000 |
| Income tax | 18,000 | 38,000 | 91,000 | 117,000 |
| Net income | 54,000 | 113,000 | 260,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,067,000 | 10,127,000 | 10,272,000 | 10,416,000 |
| Total capital | 10,676,000 | 10,779,000 | 10,971,000 | 11,172,000 |
| Risk-weighted assets | 67,612,000 | 73,289,000 | 75,865,000 | 85,423,000 |