Call reports 2003
FRONTENAC BANK — 2003
What FRONTENAC BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 153,268,000 | 169,279,000 | 187,299,000 | 208,088,000 |
| Total loans | 119,408,000 | 129,986,000 | 155,663,000 | 176,108,000 |
| Allowance for loan losses | 1,234,000 | 1,430,000 | 1,622,000 | 1,914,000 |
| Securities available for sale | 13,680,000 | 16,053,000 | 18,132,000 | 16,042,000 |
| Securities held to maturity | 497,000 | 498,000 | 249,000 | 249,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,177,000 | 137,278,000 | 146,535,000 | 163,898,000 |
| Interest-bearing deposits | 114,329,000 | 126,998,000 | 136,003,000 | 151,822,000 |
| Noninterest-bearing deposits | 8,848,000 | 10,280,000 | 10,531,000 | 12,075,000 |
| Equity capital | 14,434,000 | 14,827,000 | 17,631,000 | 18,003,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,918,000 | 3,888,000 | 5,998,000 | 8,331,000 |
| Interest expense | 722,000 | 1,454,000 | 2,229,000 | 3,042,000 |
| Net interest income | 1,196,000 | 2,434,000 | 3,769,000 | 5,289,000 |
| Noninterest income | 123,000 | 302,000 | 566,000 | 697,000 |
| Noninterest expense | 601,000 | 1,261,000 | 1,988,000 | 2,707,000 |
| Provision for loan losses | 145,000 | 256,000 | 446,000 | 735,000 |
| Pretax income | 573,000 | 1,219,000 | 1,901,000 | 2,544,000 |
| Income tax | 212,000 | 457,000 | 713,000 | 976,000 |
| Net income | 361,000 | 762,000 | 1,188,000 | 1,568,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,318,000 | 14,719,000 | 17,570,000 | 17,951,000 |
| Total capital | 15,552,000 | 16,149,000 | 19,192,000 | 19,865,000 |
| Risk-weighted assets | 129,426,000 | 149,224,000 | 173,662,000 | 196,324,000 |