Call reports 2012
FIRST NATIONAL BANK IN FREDONIA — 2012
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 101,732,000 | 101,491,000 | 97,837,000 | 101,729,000 |
| Total loans | 31,961,000 | 32,349,000 | 32,239,000 | 31,826,000 |
| Allowance for loan losses | 641,000 | 609,000 | 650,000 | 700,000 |
| Securities available for sale | 58,679,000 | 56,310,000 | 53,165,000 | 52,246,000 |
| Securities held to maturity | 8,549,000 | 9,834,000 | 9,982,000 | 9,923,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,130,000 | 85,919,000 | 82,320,000 | 86,803,000 |
| Interest-bearing deposits | 76,424,000 | 77,281,000 | 74,445,000 | 78,109,000 |
| Noninterest-bearing deposits | 9,706,000 | 8,638,000 | 7,875,000 | 8,694,000 |
| Equity capital | 15,366,000 | 15,380,000 | 15,343,000 | 14,798,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,219,000 | 2,428,000 | 3,626,000 | 4,778,000 |
| Interest expense | 228,000 | 432,000 | 616,000 | 782,000 |
| Net interest income | 991,000 | 1,996,000 | 3,010,000 | 3,996,000 |
| Noninterest income | 118,000 | 82,000 | 202,000 | 299,000 |
| Noninterest expense | 676,000 | 1,315,000 | 1,970,000 | 2,713,000 |
| Provision for loan losses | 81,000 | 280,000 | 362,000 | 442,000 |
| Pretax income | 352,000 | 483,000 | 880,000 | 1,140,000 |
| Income tax | 0 | 28,000 | 42,000 | 54,000 |
| Net income | 624,000 | 727,000 | 1,110,000 | 1,358,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,975,000 | 14,078,000 | 14,011,000 | 13,699,000 |
| Total capital | 14,564,000 | 14,666,000 | 14,594,000 | 14,284,000 |
| Risk-weighted assets | 47,035,000 | 46,995,000 | 46,555,000 | 46,660,000 |