Call reports 2011
FRONTENAC BANK — 2011
What FRONTENAC BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 369,516,000 | 365,027,000 | 338,981,000 | 316,690,000 |
| Total loans | 272,919,000 | 252,256,000 | 246,503,000 | 229,954,000 |
| Allowance for loan losses | 8,189,000 | 7,202,000 | 8,242,000 | 7,904,000 |
| Securities available for sale | 33,593,000 | 45,841,000 | 35,447,000 | 38,692,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 296,798,000 | 302,971,000 | 284,270,000 | 262,091,000 |
| Interest-bearing deposits | 286,909,000 | 292,982,000 | 272,729,000 | 251,654,000 |
| Noninterest-bearing deposits | 9,889,000 | 9,989,000 | 11,541,000 | 10,437,000 |
| Equity capital | 32,129,000 | 32,637,000 | 25,074,000 | 24,886,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,055,000 | 7,922,000 | 11,607,000 | 15,109,000 |
| Interest expense | 1,720,000 | 3,403,000 | 5,014,000 | 6,313,000 |
| Net interest income | 2,335,000 | 4,519,000 | 6,593,000 | 8,796,000 |
| Noninterest income | 32,000 | 65,000 | 73,000 | 91,000 |
| Noninterest expense | 2,370,000 | 4,196,000 | 6,443,000 | 8,277,000 |
| Provision for loan losses | 400,000 | 650,000 | 3,550,000 | 3,729,000 |
| Pretax income | -403,000 | -165,000 | -2,513,000 | -2,305,000 |
| Income tax | -136,000 | -52,000 | 5,100,000 | 5,514,000 |
| Net income | -267,000 | -113,000 | -7,613,000 | -7,819,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,953,000 | 27,387,000 | 24,873,000 | 24,667,000 |
| Total capital | 30,604,000 | 30,842,000 | 28,164,000 | 27,732,000 |
| Risk-weighted assets | 289,040,000 | 274,636,000 | 258,166,000 | 240,241,000 |