Call reports 2003
FIRST NATIONAL BANK IN FREDONIA — 2003
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 70,972,000 | 72,337,000 | 73,337,000 | 76,136,000 |
| Total loans | 28,912,000 | 29,864,000 | 30,371,000 | 30,413,000 |
| Allowance for loan losses | 285,000 | 267,000 | 269,000 | 276,000 |
| Securities available for sale | 34,170,000 | 32,667,000 | 35,102,000 | 37,893,000 |
| Securities held to maturity | 5,021,000 | 4,894,000 | 4,533,000 | 4,410,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,965,000 | 60,784,000 | 62,193,000 | 65,505,000 |
| Interest-bearing deposits | 53,777,000 | 54,624,000 | 56,274,000 | 59,205,000 |
| Noninterest-bearing deposits | 6,188,000 | 6,160,000 | 5,919,000 | 6,300,000 |
| Equity capital | 10,749,000 | 11,273,000 | 10,823,000 | 10,391,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,049,000 | 3,084,000 | 4,086,000 |
| Interest expense | 384,000 | 742,000 | 1,102,000 | 1,446,000 |
| Net interest income | 640,000 | 1,307,000 | 1,982,000 | 2,640,000 |
| Noninterest income | 104,000 | 225,000 | 351,000 | 471,000 |
| Noninterest expense | 416,000 | 831,000 | 1,267,000 | 1,696,000 |
| Provision for loan losses | 0 | 0 | 0 | 160,000 |
| Pretax income | 331,000 | 704,000 | 1,069,000 | 1,262,000 |
| Income tax | 0 | 17,000 | 33,000 | 49,000 |
| Net income | 331,000 | 687,000 | 1,036,000 | 1,213,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,462,000 | 10,817,000 | 10,944,000 | 10,456,000 |
| Total capital | 10,747,000 | 11,084,000 | 11,213,000 | 10,732,000 |
| Risk-weighted assets | 37,434,000 | 38,359,000 | 39,615,000 | 40,048,000 |
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