Call reports 2010
FRONTENAC BANK — 2010
What FRONTENAC BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 423,719,000 | 425,519,000 | 401,281,000 | 386,067,000 |
| Total loans | 316,110,000 | 307,287,000 | 295,213,000 | 278,269,000 |
| Allowance for loan losses | 9,179,000 | 7,831,000 | 8,907,000 | 7,901,000 |
| Securities available for sale | 29,995,000 | 29,933,000 | 30,618,000 | 32,477,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 344,649,000 | 347,895,000 | 327,840,000 | 313,752,000 |
| Interest-bearing deposits | 333,516,000 | 335,741,000 | 316,320,000 | 303,229,000 |
| Noninterest-bearing deposits | 11,133,000 | 12,154,000 | 11,520,000 | 10,523,000 |
| Equity capital | 35,732,000 | 34,358,000 | 33,141,000 | 32,269,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,805,000 | 9,438,000 | 14,120,000 | 18,294,000 |
| Interest expense | 2,362,000 | 4,627,000 | 6,716,000 | 8,557,000 |
| Net interest income | 2,443,000 | 4,811,000 | 7,404,000 | 9,737,000 |
| Noninterest income | 38,000 | -242,000 | -336,000 | -635,000 |
| Noninterest expense | 2,039,000 | 4,307,000 | 6,408,000 | 8,961,000 |
| Provision for loan losses | 800,000 | 2,723,000 | 4,803,000 | 5,381,000 |
| Pretax income | -358,000 | -2,461,000 | -3,899,000 | -4,951,000 |
| Income tax | -115,000 | -827,000 | -1,232,000 | -1,729,000 |
| Net income | -243,000 | -1,634,000 | -2,667,000 | -3,222,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,736,000 | 30,220,000 | 28,467,000 | 27,229,000 |
| Total capital | 37,097,000 | 34,442,000 | 32,453,000 | 30,996,000 |
| Risk-weighted assets | 344,033,000 | 334,203,000 | 313,715,000 | 296,856,000 |