Call reports 2013
FRONTENAC BANK — 2013
What FRONTENAC BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 282,841,000 | 277,153,000 | 267,018,000 | 271,094,000 |
| Total loans | 198,040,000 | 195,582,000 | 191,433,000 | 194,752,000 |
| Allowance for loan losses | 5,813,000 | 6,010,000 | 5,733,000 | 5,269,000 |
| Securities available for sale | 40,017,000 | 40,040,000 | 41,504,000 | 35,776,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 248,725,000 | 239,379,000 | 231,449,000 | 237,662,000 |
| Interest-bearing deposits | 239,753,000 | 230,317,000 | 222,684,000 | 227,466,000 |
| Noninterest-bearing deposits | 8,972,000 | 9,062,000 | 8,765,000 | 10,196,000 |
| Equity capital | 25,038,000 | 24,586,000 | 24,231,000 | 24,596,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,786,000 | 5,510,000 | 8,093,000 | 10,564,000 |
| Interest expense | 589,000 | 1,056,000 | 1,481,000 | 1,896,000 |
| Net interest income | 2,197,000 | 4,454,000 | 6,612,000 | 8,668,000 |
| Noninterest income | -32,000 | -43,000 | -39,000 | -406,000 |
| Noninterest expense | 1,878,000 | 3,738,000 | 6,196,000 | 7,470,000 |
| Provision for loan losses | 100,000 | 100,000 | 100,000 | 140,000 |
| Pretax income | 201,000 | 588,000 | 292,000 | 654,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 201,000 | 588,000 | 292,000 | 654,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,937,000 | 25,324,000 | 25,029,000 | 25,390,000 |
| Total capital | 27,503,000 | 27,948,000 | 27,646,000 | 27,985,000 |
| Risk-weighted assets | 209,670,000 | 206,407,000 | 206,140,000 | 205,533,000 |