Call reports 2012
FRONTENAC BANK — 2012
What FRONTENAC BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 305,550,000 | 296,665,000 | 292,876,000 | 285,466,000 |
| Total loans | 218,921,000 | 206,631,000 | 204,013,000 | 198,738,000 |
| Allowance for loan losses | 7,370,000 | 6,337,000 | 6,193,000 | 5,845,000 |
| Securities available for sale | 37,376,000 | 29,355,000 | 38,877,000 | 35,785,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 260,712,000 | 261,795,000 | 258,335,000 | 251,975,000 |
| Interest-bearing deposits | 250,117,000 | 251,438,000 | 246,070,000 | 239,168,000 |
| Noninterest-bearing deposits | 10,595,000 | 10,357,000 | 12,265,000 | 12,807,000 |
| Equity capital | 25,307,000 | 25,402,000 | 25,237,000 | 25,020,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,260,000 | 6,407,000 | 9,468,000 | 12,440,000 |
| Interest expense | 1,207,000 | 2,266,000 | 3,231,000 | 3,957,000 |
| Net interest income | 2,053,000 | 4,141,000 | 6,237,000 | 8,483,000 |
| Noninterest income | 56,000 | 151,000 | 1,000 | 274,000 |
| Noninterest expense | 1,877,000 | 3,947,000 | 5,950,000 | 8,820,000 |
| Provision for loan losses | 150,000 | 350,000 | 350,000 | 350,000 |
| Pretax income | 311,000 | 490,000 | 433,000 | 343,000 |
| Income tax | 0 | 0 | 274,000 | 274,000 |
| Net income | 311,000 | 490,000 | 159,000 | 69,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,978,000 | 25,158,000 | 24,827,000 | 24,736,000 |
| Total capital | 27,917,000 | 27,922,000 | 27,151,000 | 27,394,000 |
| Risk-weighted assets | 230,589,000 | 220,228,000 | 217,182,000 | 209,313,000 |