Call reports 2009
FIRST NATIONAL BANK IN FREDONIA — 2009
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 75,859,000 | 79,982,000 | 80,528,000 | 86,289,000 |
| Total loans | 34,500,000 | 34,849,000 | 36,204,000 | 36,024,000 |
| Allowance for loan losses | 300,000 | 310,000 | 506,000 | 428,000 |
| Securities available for sale | 34,978,000 | 37,015,000 | 37,818,000 | 41,248,000 |
| Securities held to maturity | 3,984,000 | 3,850,000 | 4,048,000 | 3,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,583,000 | 67,924,000 | 67,826,000 | 72,914,000 |
| Interest-bearing deposits | 57,738,000 | 60,910,000 | 61,720,000 | 65,484,000 |
| Noninterest-bearing deposits | 6,845,000 | 7,014,000 | 6,106,000 | 7,430,000 |
| Equity capital | 11,033,000 | 11,805,000 | 12,402,000 | 13,106,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,106,000 | 2,198,000 | 3,370,000 | 4,548,000 |
| Interest expense | 344,000 | 692,000 | 1,046,000 | 1,391,000 |
| Net interest income | 762,000 | 1,506,000 | 2,324,000 | 3,157,000 |
| Noninterest income | 129,000 | 258,000 | 411,000 | 572,000 |
| Noninterest expense | 434,000 | 883,000 | 1,419,000 | 1,938,000 |
| Provision for loan losses | 119,000 | 129,000 | 439,000 | 449,000 |
| Pretax income | 338,000 | 752,000 | 877,000 | 1,342,000 |
| Income tax | 1,000 | 37,000 | 54,000 | 63,000 |
| Net income | 337,000 | 715,000 | 823,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,119,000 | 11,497,000 | 11,605,000 | 12,063,000 |
| Total capital | 11,419,000 | 11,807,000 | 12,111,000 | 12,491,000 |
| Risk-weighted assets | 43,258,000 | 44,907,000 | 45,588,000 | 46,879,000 |