Call reports 2010
FIRST NATIONAL BANK IN FREDONIA — 2010
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 86,681,000 | 90,064,000 | 91,568,000 | 97,059,000 |
| Total loans | 35,917,000 | 36,195,000 | 35,972,000 | 34,585,000 |
| Allowance for loan losses | 530,000 | 577,000 | 591,000 | 501,000 |
| Securities available for sale | 42,220,000 | 43,627,000 | 44,973,000 | 48,095,000 |
| Securities held to maturity | 4,542,000 | 6,091,000 | 6,575,000 | 7,622,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,897,000 | 75,378,000 | 77,002,000 | 83,367,000 |
| Interest-bearing deposits | 65,570,000 | 68,590,000 | 69,353,000 | 74,571,000 |
| Noninterest-bearing deposits | 7,327,000 | 6,788,000 | 7,649,000 | 8,796,000 |
| Equity capital | 13,519,000 | 14,393,000 | 14,266,000 | 13,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,186,000 | 2,408,000 | 3,645,000 | 4,879,000 |
| Interest expense | 329,000 | 671,000 | 1,013,000 | 1,318,000 |
| Net interest income | 857,000 | 1,737,000 | 2,632,000 | 3,561,000 |
| Noninterest income | 121,000 | 251,000 | 369,000 | 446,000 |
| Noninterest expense | 530,000 | 1,003,000 | 1,551,000 | 2,203,000 |
| Provision for loan losses | 85,000 | 169,000 | 254,000 | 383,000 |
| Pretax income | 363,000 | 816,000 | 1,196,000 | 1,421,000 |
| Income tax | 0 | 21,000 | 39,000 | 51,000 |
| Net income | 363,000 | 795,000 | 1,157,000 | 1,370,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,424,000 | 12,857,000 | 12,571,000 | 12,137,000 |
| Total capital | 12,954,000 | 13,434,000 | 13,162,000 | 12,638,000 |
| Risk-weighted assets | 46,556,000 | 48,337,000 | 48,150,000 | 48,557,000 |