Call reports 2007
FRONTENAC BANK — 2007
What FRONTENAC BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 440,337,000 | 444,870,000 | 454,016,000 | 474,011,000 |
| Total loans | 344,378,000 | 353,202,000 | 363,569,000 | 381,718,000 |
| Allowance for loan losses | 3,419,000 | 3,413,000 | 3,305,000 | 4,754,000 |
| Securities available for sale | 49,046,000 | 50,610,000 | 49,495,000 | 40,657,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 367,144,000 | 363,423,000 | 362,952,000 | 383,829,000 |
| Interest-bearing deposits | 351,292,000 | 348,927,000 | 349,124,000 | 367,893,000 |
| Noninterest-bearing deposits | 15,852,000 | 14,496,000 | 13,828,000 | 15,936,000 |
| Equity capital | 42,727,000 | 43,158,000 | 44,111,000 | 43,300,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,553,000 | 15,246,000 | 22,875,000 | 30,468,000 |
| Interest expense | 4,527,000 | 9,199,000 | 13,978,000 | 18,794,000 |
| Net interest income | 3,026,000 | 6,047,000 | 8,897,000 | 11,674,000 |
| Noninterest income | 39,000 | 170,000 | 213,000 | -107,000 |
| Noninterest expense | 1,473,000 | 2,930,000 | 4,429,000 | 5,905,000 |
| Provision for loan losses | 285,000 | 505,000 | 705,000 | 3,034,000 |
| Pretax income | 1,308,000 | 2,783,000 | 3,981,000 | 2,634,000 |
| Income tax | 481,000 | 1,044,000 | 1,492,000 | 1,046,000 |
| Net income | 827,000 | 1,739,000 | 2,489,000 | 1,588,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,704,000 | 43,415,000 | 43,966,000 | 42,866,000 |
| Total capital | 46,143,000 | 46,848,000 | 47,291,000 | 47,640,000 |
| Risk-weighted assets | 358,215,000 | 382,280,000 | 377,797,000 | 409,192,000 |