Call reports 2011
FIRST NATIONAL BANK IN FREDONIA — 2011
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 95,325,000 | 96,195,000 | 98,503,000 | 102,021,000 |
| Total loans | 33,203,000 | 32,775,000 | 32,752,000 | 32,468,000 |
| Allowance for loan losses | 552,000 | 566,000 | 597,000 | 558,000 |
| Securities available for sale | 50,909,000 | 51,358,000 | 52,854,000 | 55,538,000 |
| Securities held to maturity | 8,165,000 | 8,159,000 | 7,773,000 | 7,554,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,305,000 | 81,221,000 | 83,319,000 | 87,057,000 |
| Interest-bearing deposits | 73,944,000 | 73,556,000 | 74,536,000 | 79,423,000 |
| Noninterest-bearing deposits | 7,361,000 | 7,665,000 | 8,783,000 | 7,634,000 |
| Equity capital | 13,762,000 | 14,701,000 | 14,928,000 | 14,727,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,211,000 | 2,448,000 | 3,683,000 | 4,906,000 |
| Interest expense | 278,000 | 545,000 | 798,000 | 1,037,000 |
| Net interest income | 933,000 | 1,903,000 | 2,885,000 | 3,869,000 |
| Noninterest income | 105,000 | 193,000 | 236,000 | 194,000 |
| Noninterest expense | 584,000 | 1,155,000 | 1,709,000 | 2,418,000 |
| Provision for loan losses | 84,000 | 159,000 | 242,000 | 324,000 |
| Pretax income | 370,000 | 789,000 | 1,182,000 | 1,356,000 |
| Income tax | 0 | 18,000 | 32,000 | 53,000 |
| Net income | 370,000 | 771,000 | 1,150,000 | 1,303,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,507,000 | 12,908,000 | 13,287,000 | 13,351,000 |
| Total capital | 13,059,000 | 13,474,000 | 13,878,000 | 13,909,000 |
| Risk-weighted assets | 47,032,000 | 46,818,000 | 47,289,000 | 48,203,000 |