Call reports 2014
FRONTENAC BANK — 2014
What FRONTENAC BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 281,347,000 | 270,638,000 | 267,769,000 | 271,175,000 |
| Total loans | 199,850,000 | 203,326,000 | 196,684,000 | 202,256,000 |
| Allowance for loan losses | 5,989,000 | 5,883,000 | 4,507,000 | 4,652,000 |
| Securities available for sale | 37,080,000 | 38,810,000 | 37,619,000 | 31,685,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,760,000 | 241,355,000 | 236,128,000 | 234,646,000 |
| Interest-bearing deposits | 240,089,000 | 233,362,000 | 227,579,000 | 225,916,000 |
| Noninterest-bearing deposits | 7,671,000 | 7,993,000 | 8,549,000 | 8,730,000 |
| Equity capital | 24,648,000 | 25,236,000 | 25,589,000 | 31,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,455,000 | 4,887,000 | 7,325,000 | 9,741,000 |
| Interest expense | 421,000 | 828,000 | 1,191,000 | 1,553,000 |
| Net interest income | 2,034,000 | 4,059,000 | 6,134,000 | 8,188,000 |
| Noninterest income | -371,000 | -316,000 | -362,000 | -492,000 |
| Noninterest expense | 1,959,000 | 3,738,000 | 5,486,000 | 7,243,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -296,000 | -4,000 | 344,000 | 486,000 |
| Income tax | 0 | 0 | 0 | -5,843,000 |
| Net income | -296,000 | -4,000 | 344,000 | 6,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,093,000 | 25,386,000 | 25,734,000 | 26,470,000 |
| Total capital | 27,733,000 | 27,991,000 | 28,307,000 | 29,107,000 |
| Risk-weighted assets | 207,748,000 | 210,005,000 | 203,773,000 | 208,919,000 |