Call reports 2006
FIRST NATIONAL BANK IN FREDONIA — 2006
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 73,318,000 | 72,574,000 | 70,578,000 | 70,634,000 |
| Total loans | 34,110,000 | 33,954,000 | 32,715,000 | 32,828,000 |
| Allowance for loan losses | 254,000 | 248,000 | 242,000 | 224,000 |
| Securities available for sale | 28,584,000 | 29,302,000 | 28,413,000 | 28,598,000 |
| Securities held to maturity | 5,596,000 | 5,594,000 | 5,383,000 | 5,097,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,107,000 | 61,804,000 | 59,629,000 | 59,227,000 |
| Interest-bearing deposits | 53,992,000 | 54,209,000 | 51,871,000 | 51,453,000 |
| Noninterest-bearing deposits | 8,115,000 | 7,595,000 | 7,758,000 | 7,774,000 |
| Equity capital | 10,958,000 | 10,517,000 | 10,623,000 | 11,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,044,000 | 2,128,000 | 3,218,000 | 4,288,000 |
| Interest expense | 379,000 | 793,000 | 1,211,000 | 1,626,000 |
| Net interest income | 665,000 | 1,335,000 | 2,007,000 | 2,662,000 |
| Noninterest income | 103,000 | 221,000 | 333,000 | 483,000 |
| Noninterest expense | 422,000 | 781,000 | 1,162,000 | 1,591,000 |
| Provision for loan losses | 6,000 | 16,000 | 26,000 | 35,000 |
| Pretax income | 340,000 | 759,000 | 1,152,000 | 1,519,000 |
| Income tax | 17,000 | 33,000 | 50,000 | 62,000 |
| Net income | 323,000 | 726,000 | 1,102,000 | 1,457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,745,000 | 11,517,000 | 11,263,000 | 11,618,000 |
| Total capital | 11,999,000 | 11,765,000 | 11,505,000 | 11,842,000 |
| Risk-weighted assets | 42,120,000 | 41,842,000 | 40,203,000 | 40,376,000 |
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