Call reports 2013
FIRST NATIONAL BANK IN FREDONIA — 2013
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 98,810,000 | 98,617,000 | 96,045,000 | 102,693,000 |
| Total loans | 30,599,000 | 30,815,000 | 30,556,000 | 30,800,000 |
| Allowance for loan losses | 701,000 | 707,000 | 703,000 | 700,000 |
| Securities available for sale | 53,780,000 | 53,590,000 | 51,122,000 | 52,776,000 |
| Securities held to maturity | 10,894,000 | 12,275,000 | 12,259,000 | 12,667,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,762,000 | 82,951,000 | 81,485,000 | 88,903,000 |
| Interest-bearing deposits | 75,056,000 | 74,275,000 | 73,154,000 | 78,447,000 |
| Noninterest-bearing deposits | 8,706,000 | 8,676,000 | 8,331,000 | 10,456,000 |
| Equity capital | 14,933,000 | 14,524,000 | 13,983,000 | 13,724,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 886,000 | 1,760,000 | 2,650,000 | 3,584,000 |
| Interest expense | 155,000 | 294,000 | 423,000 | 548,000 |
| Net interest income | 731,000 | 1,466,000 | 2,227,000 | 3,036,000 |
| Noninterest income | 81,000 | 169,000 | 278,000 | 376,000 |
| Noninterest expense | 477,000 | 920,000 | 1,363,000 | 1,874,000 |
| Provision for loan losses | 11,000 | 62,000 | 68,000 | 74,000 |
| Pretax income | 329,000 | 663,000 | 1,089,000 | 1,479,000 |
| Income tax | 0 | 15,000 | 27,000 | 59,000 |
| Net income | 329,000 | 648,000 | 1,062,000 | 1,420,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,027,000 | 14,347,000 | 14,208,000 | 14,015,000 |
| Total capital | 14,599,000 | 14,922,000 | 14,775,000 | 14,602,000 |
| Risk-weighted assets | 45,598,000 | 45,835,000 | 45,213,000 | 46,815,000 |