Call reports 2005
FRONTENAC BANK — 2005
What FRONTENAC BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 338,810,000 | 377,912,000 | 403,511,000 | 413,218,000 |
| Total loans | 277,522,000 | 313,245,000 | 332,171,000 | 332,861,000 |
| Allowance for loan losses | 3,027,000 | 3,360,000 | 3,540,000 | 3,786,000 |
| Securities available for sale | 29,962,000 | 39,437,000 | 41,357,000 | 41,210,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,996,000 | 295,859,000 | 315,718,000 | 324,909,000 |
| Interest-bearing deposits | 247,419,000 | 281,354,000 | 299,177,000 | 307,816,000 |
| Noninterest-bearing deposits | 13,577,000 | 14,505,000 | 16,540,000 | 17,093,000 |
| Equity capital | 30,756,000 | 33,569,000 | 37,487,000 | 38,622,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,334,000 | 9,475,000 | 15,498,000 | 22,095,000 |
| Interest expense | 1,682,000 | 3,967,000 | 6,640,000 | 9,602,000 |
| Net interest income | 2,652,000 | 5,508,000 | 8,858,000 | 12,493,000 |
| Noninterest income | 132,000 | 173,000 | 254,000 | 307,000 |
| Noninterest expense | 934,000 | 1,958,000 | 3,033,000 | 4,159,000 |
| Provision for loan losses | 275,000 | 610,000 | 1,210,000 | 1,510,000 |
| Pretax income | 1,575,000 | 3,113,000 | 4,869,000 | 7,131,000 |
| Income tax | 576,000 | 1,149,000 | 1,848,000 | 2,696,000 |
| Net income | 999,000 | 1,964,000 | 3,021,000 | 4,435,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,967,000 | 33,782,000 | 37,689,000 | 38,903,000 |
| Total capital | 33,994,000 | 37,142,000 | 41,229,000 | 42,689,000 |
| Risk-weighted assets | 283,039,000 | 332,665,000 | 350,961,000 | 354,152,000 |