Call reports 2007
FIRST NATIONAL BANK IN FREDONIA — 2007
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 70,270,000 | 71,496,000 | 70,708,000 | 72,301,000 |
| Total loans | 33,463,000 | 34,220,000 | 34,534,000 | 34,870,000 |
| Allowance for loan losses | 251,000 | 263,000 | 259,000 | 251,000 |
| Securities available for sale | 27,834,000 | 28,486,000 | 28,707,000 | 27,765,000 |
| Securities held to maturity | 5,096,000 | 4,997,000 | 4,988,000 | 4,669,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,082,000 | 60,061,000 | 58,346,000 | 60,355,000 |
| Interest-bearing deposits | 50,922,000 | 51,264,000 | 50,685,000 | 52,793,000 |
| Noninterest-bearing deposits | 8,160,000 | 8,797,000 | 7,662,000 | 7,562,000 |
| Equity capital | 10,920,000 | 11,150,000 | 11,135,000 | 11,676,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,073,000 | 2,165,000 | 3,282,000 | 4,401,000 |
| Interest expense | 428,000 | 869,000 | 1,319,000 | 1,776,000 |
| Net interest income | 645,000 | 1,296,000 | 1,963,000 | 2,625,000 |
| Noninterest income | 129,000 | 266,000 | 407,000 | 568,000 |
| Noninterest expense | 376,000 | 768,000 | 1,159,000 | 1,582,000 |
| Provision for loan losses | 10,000 | 20,000 | 31,000 | 42,000 |
| Pretax income | 388,000 | 774,000 | 1,180,000 | 1,569,000 |
| Income tax | 0 | 29,000 | 45,000 | 55,000 |
| Net income | 388,000 | 745,000 | 1,135,000 | 1,514,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,362,000 | 11,718,000 | 11,466,000 | 11,845,000 |
| Total capital | 11,613,000 | 11,981,000 | 11,725,000 | 12,096,000 |
| Risk-weighted assets | 41,094,000 | 41,867,000 | 42,319,000 | 43,075,000 |