Call reports 2015
FRONTENAC BANK — 2015
What FRONTENAC BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 272,001,000 | 280,715,000 | 278,121,000 | 285,173,000 |
| Total loans | 203,617,000 | 204,786,000 | 202,972,000 | 197,045,000 |
| Allowance for loan losses | 4,750,000 | 4,777,000 | 4,848,000 | 3,923,000 |
| Securities available for sale | 32,087,000 | 33,749,000 | 37,345,000 | 51,686,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 233,385,000 | 238,204,000 | 243,070,000 | 237,723,000 |
| Interest-bearing deposits | 227,013,000 | 230,688,000 | 236,155,000 | 229,980,000 |
| Noninterest-bearing deposits | 6,372,000 | 7,516,000 | 6,915,000 | 7,743,000 |
| Equity capital | 32,247,000 | 32,303,000 | 32,743,000 | 32,698,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,363,000 | 4,825,000 | 7,244,000 | 9,696,000 |
| Interest expense | 361,000 | 754,000 | 1,170,000 | 1,617,000 |
| Net interest income | 2,002,000 | 4,071,000 | 6,074,000 | 8,079,000 |
| Noninterest income | 5,000 | -55,000 | -57,000 | -55,000 |
| Noninterest expense | 1,649,000 | 3,313,000 | 4,832,000 | 6,409,000 |
| Provision for loan losses | 147,000 | 172,000 | 287,000 | 425,000 |
| Pretax income | 622,000 | 942,000 | 1,309,000 | 1,655,000 |
| Income tax | 232,000 | 324,000 | 432,000 | 556,000 |
| Net income | 390,000 | 618,000 | 877,000 | 1,099,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,805,000 | 28,180,000 | 28,658,000 | 28,841,000 |
| Total capital | 30,485,000 | 30,911,000 | 31,372,000 | 31,507,000 |
| Risk-weighted assets | 209,686,000 | 213,916,000 | 212,700,000 | 209,706,000 |