Call reports 2006
FRONTENAC BANK — 2006
What FRONTENAC BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 427,289,000 | 439,940,000 | 452,031,000 | 442,768,000 |
| Total loans | 337,172,000 | 358,545,000 | 356,385,000 | 344,658,000 |
| Allowance for loan losses | 4,242,000 | 3,799,000 | 3,964,000 | 3,116,000 |
| Securities available for sale | 41,206,000 | 36,470,000 | 45,480,000 | 51,087,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,976,000 | 360,660,000 | 369,800,000 | 368,261,000 |
| Interest-bearing deposits | 335,596,000 | 345,053,000 | 353,146,000 | 352,538,000 |
| Noninterest-bearing deposits | 18,380,000 | 15,607,000 | 16,654,000 | 15,723,000 |
| Equity capital | 39,597,000 | 40,373,000 | 41,235,000 | 42,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,683,000 | 14,116,000 | 21,837,000 | 29,677,000 |
| Interest expense | 3,440,000 | 7,236,000 | 11,648,000 | 16,325,000 |
| Net interest income | 3,243,000 | 6,880,000 | 10,189,000 | 13,352,000 |
| Noninterest income | 82,000 | 162,000 | 209,000 | 282,000 |
| Noninterest expense | 1,272,000 | 2,644,000 | 4,083,000 | 5,941,000 |
| Provision for loan losses | 500,000 | 1,155,000 | 1,555,000 | 1,355,000 |
| Pretax income | 1,553,000 | 3,243,000 | 4,760,000 | 6,346,000 |
| Income tax | 594,000 | 1,226,000 | 1,773,000 | 2,372,000 |
| Net income | 959,000 | 2,017,000 | 2,987,000 | 3,974,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 39,862,000 | 40,520,000 | 41,290,000 | 42,077,000 |
| Total capital | 44,104,000 | 44,319,000 | 45,254,000 | 45,213,000 |
| Risk-weighted assets | 361,733,000 | 379,563,000 | 366,243,000 | 351,664,000 |