Call reports 2009
FRONTENAC BANK — 2009
What FRONTENAC BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 461,852,000 | 453,814,000 | 459,834,000 | 419,119,000 |
| Total loans | 372,526,000 | 369,022,000 | 353,178,000 | 326,929,000 |
| Allowance for loan losses | 6,098,000 | 10,807,000 | 10,930,000 | 8,470,000 |
| Securities available for sale | 42,609,000 | 36,813,000 | 32,086,000 | 34,199,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 373,691,000 | 372,564,000 | 376,014,000 | 338,968,000 |
| Interest-bearing deposits | 361,766,000 | 360,096,000 | 360,373,000 | 326,092,000 |
| Noninterest-bearing deposits | 11,925,000 | 12,468,000 | 15,641,000 | 12,876,000 |
| Equity capital | 44,116,000 | 39,563,000 | 38,366,000 | 35,031,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 5,505,000 | 11,021,000 | 16,241,000 | 21,019,000 |
| Interest expense | 3,404,000 | 6,741,000 | 9,833,000 | 12,468,000 |
| Net interest income | 2,101,000 | 4,280,000 | 6,408,000 | 8,551,000 |
| Noninterest income | 40,000 | -141,000 | -1,049,000 | -1,082,000 |
| Noninterest expense | 1,597,000 | 3,304,000 | 5,126,000 | 8,587,000 |
| Provision for loan losses | 90,000 | 7,180,000 | 7,680,000 | 12,100,000 |
| Pretax income | 454,000 | -6,345,000 | -7,447,000 | -13,218,000 |
| Income tax | 199,000 | -2,411,000 | -2,532,000 | -5,033,000 |
| Net income | 255,000 | -3,934,000 | -4,915,000 | -8,185,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,093,000 | 37,192,000 | 35,042,000 | 33,529,000 |
| Total capital | 47,143,000 | 42,228,000 | 39,673,000 | 38,019,000 |
| Risk-weighted assets | 403,130,000 | 397,165,000 | 364,207,000 | 355,170,000 |