Call reports 2008
FRONTENAC BANK — 2008
What FRONTENAC BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 454,868,000 | 438,009,000 | 465,788,000 | 461,815,000 |
| Total loans | 369,513,000 | 363,224,000 | 355,617,000 | 360,721,000 |
| Allowance for loan losses | 4,662,000 | 4,526,000 | 4,722,000 | 5,981,000 |
| Securities available for sale | 50,911,000 | 41,965,000 | 48,208,000 | 47,502,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 353,180,000 | 336,372,000 | 371,029,000 | 369,584,000 |
| Interest-bearing deposits | 341,262,000 | 323,434,000 | 358,774,000 | 355,916,000 |
| Noninterest-bearing deposits | 11,918,000 | 12,938,000 | 12,255,000 | 13,668,000 |
| Equity capital | 48,897,000 | 48,459,000 | 45,985,000 | 44,258,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,996,000 | 13,079,000 | 19,117,000 | 25,228,000 |
| Interest expense | 4,432,000 | 8,105,000 | 11,536,000 | 15,131,000 |
| Net interest income | 2,564,000 | 4,974,000 | 7,581,000 | 10,097,000 |
| Noninterest income | 3,000 | 142,000 | -477,000 | -391,000 |
| Noninterest expense | 1,527,000 | 3,096,000 | 4,611,000 | 7,124,000 |
| Provision for loan losses | 50,000 | 200,000 | 4,700,000 | 8,340,000 |
| Pretax income | 1,104,000 | 2,289,000 | -1,738,000 | -5,413,000 |
| Income tax | 405,000 | 846,000 | -574,000 | -2,058,000 |
| Net income | 699,000 | 1,443,000 | -1,164,000 | -3,355,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,165,000 | 48,709,000 | 45,901,000 | 43,794,000 |
| Total capital | 52,847,000 | 53,255,000 | 50,528,000 | 48,683,000 |
| Risk-weighted assets | 394,741,000 | 370,889,000 | 370,066,000 | 390,010,000 |