Call reports 2004
FRONTENAC BANK — 2004
What FRONTENAC BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 217,651,000 | 250,730,000 | 280,762,000 | 305,085,000 |
| Total loans | 185,585,000 | 209,227,000 | 232,885,000 | 260,114,000 |
| Allowance for loan losses | 2,000,000 | 2,223,000 | 2,492,000 | 2,776,000 |
| Securities available for sale | 16,281,000 | 21,100,000 | 22,235,000 | 25,025,000 |
| Securities held to maturity | 250,000 | 250,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 169,713,000 | 186,218,000 | 211,861,000 | 229,843,000 |
| Interest-bearing deposits | 156,718,000 | 170,038,000 | 198,352,000 | 214,061,000 |
| Noninterest-bearing deposits | 12,995,000 | 16,180,000 | 13,509,000 | 15,781,000 |
| Equity capital | 18,534,000 | 23,717,000 | 24,390,000 | 30,053,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 2,460,000 | 5,347,000 | 8,554,000 | 12,434,000 |
| Interest expense | 864,000 | 1,805,000 | 2,935,000 | 4,310,000 |
| Net interest income | 1,596,000 | 3,542,000 | 5,619,000 | 8,124,000 |
| Noninterest income | 209,000 | 118,000 | 160,000 | 224,000 |
| Noninterest expense | 810,000 | 1,649,000 | 2,514,000 | 3,492,000 |
| Provision for loan losses | 90,000 | 320,000 | 590,000 | 890,000 |
| Pretax income | 905,000 | 1,691,000 | 2,675,000 | 3,966,000 |
| Income tax | 330,000 | 610,000 | 1,005,000 | 1,499,000 |
| Net income | 575,000 | 1,081,000 | 1,670,000 | 2,467,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,451,000 | 23,694,000 | 24,396,000 | 30,117,000 |
| Total capital | 20,451,000 | 25,917,000 | 26,888,000 | 32,893,000 |
| Risk-weighted assets | 206,427,000 | 225,678,000 | 240,699,000 | 295,032,000 |