Call reports 2004
FIRST NATIONAL BANK IN FREDONIA — 2004
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 77,446,000 | 78,285,000 | 78,977,000 | 77,335,000 |
| Total loans | 30,520,000 | 31,721,000 | 32,007,000 | 31,982,000 |
| Allowance for loan losses | 251,000 | 260,000 | 308,000 | 222,000 |
| Securities available for sale | 38,652,000 | 38,394,000 | 38,286,000 | 36,522,000 |
| Securities held to maturity | 6,000,000 | 6,336,000 | 6,778,000 | 6,507,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,056,000 | 66,734,000 | 66,786,000 | 66,307,000 |
| Interest-bearing deposits | 59,953,000 | 60,643,000 | 60,557,000 | 59,822,000 |
| Noninterest-bearing deposits | 6,103,000 | 6,091,000 | 6,229,000 | 6,485,000 |
| Equity capital | 11,193,000 | 10,310,000 | 11,053,000 | 10,817,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,031,000 | 2,068,000 | 3,122,000 | 4,176,000 |
| Interest expense | 343,000 | 688,000 | 1,035,000 | 1,372,000 |
| Net interest income | 688,000 | 1,380,000 | 2,087,000 | 2,804,000 |
| Noninterest income | 119,000 | 242,000 | 330,000 | 467,000 |
| Noninterest expense | 437,000 | 836,000 | 1,280,000 | 1,704,000 |
| Provision for loan losses | 0 | 25,000 | 90,000 | 90,000 |
| Pretax income | 370,000 | 761,000 | 1,047,000 | 1,477,000 |
| Income tax | 5,000 | 29,000 | 42,000 | 52,000 |
| Net income | 365,000 | 732,000 | 1,005,000 | 1,425,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,872,000 | 11,004,000 | 11,042,000 | 10,993,000 |
| Total capital | 11,123,000 | 11,264,000 | 11,350,000 | 11,215,000 |
| Risk-weighted assets | 39,243,000 | 42,175,000 | 42,553,000 | 41,288,000 |
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