Call reports 2005
FIRST NATIONAL BANK IN FREDONIA — 2005
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 77,487,000 | 77,039,000 | 73,871,000 | 72,327,000 |
| Total loans | 32,229,000 | 33,592,000 | 34,987,000 | 34,744,000 |
| Allowance for loan losses | 232,000 | 229,000 | 234,000 | 225,000 |
| Securities available for sale | 36,093,000 | 35,510,000 | 31,413,000 | 29,205,000 |
| Securities held to maturity | 6,340,000 | 6,193,000 | 5,870,000 | 5,598,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,518,000 | 63,968,000 | 61,520,000 | 61,499,000 |
| Interest-bearing deposits | 58,889,000 | 57,039,000 | 54,399,000 | 54,085,000 |
| Noninterest-bearing deposits | 7,629,000 | 6,929,000 | 7,121,000 | 7,414,000 |
| Equity capital | 10,783,000 | 10,862,000 | 11,077,000 | 10,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,036,000 | 2,102,000 | 3,179,000 | 4,244,000 |
| Interest expense | 321,000 | 659,000 | 1,010,000 | 1,378,000 |
| Net interest income | 715,000 | 1,443,000 | 2,169,000 | 2,866,000 |
| Noninterest income | 122,000 | 236,000 | 355,000 | 458,000 |
| Noninterest expense | 432,000 | 812,000 | 1,259,000 | 1,664,000 |
| Provision for loan losses | 0 | 150,000 | 150,000 | 150,000 |
| Pretax income | 405,000 | 717,000 | 1,120,000 | 1,517,000 |
| Income tax | 2,000 | 36,000 | 51,000 | 66,000 |
| Net income | 403,000 | 681,000 | 1,069,000 | 1,451,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,396,000 | 11,124,000 | 11,512,000 | 11,345,000 |
| Total capital | 11,628,000 | 11,353,000 | 11,746,000 | 11,570,000 |
| Risk-weighted assets | 42,106,000 | 43,034,000 | 42,689,000 | 42,591,000 |
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