Call reports 2002
FIRST NATIONAL BANK IN FREDONIA — 2002
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 63,387,000 | 65,670,000 | 68,515,000 | 69,556,000 |
| Total loans | 29,301,000 | 29,114,000 | 28,918,000 | 29,166,000 |
| Allowance for loan losses | 301,000 | 299,000 | 285,000 | 301,000 |
| Securities available for sale | 24,298,000 | 23,527,000 | 26,602,000 | 28,877,000 |
| Securities held to maturity | 6,687,000 | 6,247,000 | 5,754,000 | 5,042,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 53,967,000 | 55,538,000 | 57,798,000 | 58,806,000 |
| Interest-bearing deposits | 48,406,000 | 49,774,000 | 51,535,000 | 52,771,000 |
| Noninterest-bearing deposits | 5,561,000 | 5,764,000 | 6,263,000 | 6,035,000 |
| Equity capital | 9,142,000 | 9,819,000 | 10,368,000 | 10,483,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,038,000 | 2,104,000 | 3,166,000 | 4,226,000 |
| Interest expense | 428,000 | 855,000 | 1,290,000 | 1,713,000 |
| Net interest income | 610,000 | 1,249,000 | 1,876,000 | 2,513,000 |
| Noninterest income | 102,000 | 211,000 | 328,000 | 428,000 |
| Noninterest expense | 366,000 | 759,000 | 1,129,000 | 1,516,000 |
| Provision for loan losses | 0 | 0 | 0 | 148,000 |
| Pretax income | 346,000 | 701,000 | 1,075,000 | 1,277,000 |
| Income tax | 27,000 | 51,000 | 69,000 | 87,000 |
| Net income | 319,000 | 650,000 | 1,006,000 | 1,184,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,266,000 | 9,597,000 | 9,953,000 | 10,131,000 |
| Total capital | 9,567,000 | 9,896,000 | 10,238,000 | 10,432,000 |
| Risk-weighted assets | 35,533,000 | 35,765,000 | 36,718,000 | 36,680,000 |
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