Call reports 2014
FIRST NATIONAL BANK IN FREDONIA — 2014
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 102,475,000 | 104,387,000 | 98,296,000 | 101,701,000 |
| Total loans | 29,956,000 | 29,919,000 | 29,609,000 | 30,084,000 |
| Allowance for loan losses | 703,000 | 701,000 | 702,000 | 701,000 |
| Securities available for sale | 56,876,000 | 57,972,000 | 54,127,000 | 53,457,000 |
| Securities held to maturity | 12,891,000 | 13,857,000 | 13,995,000 | 13,896,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,032,000 | 88,530,000 | 83,337,000 | 86,735,000 |
| Interest-bearing deposits | 77,861,000 | 77,093,000 | 72,962,000 | 76,071,000 |
| Noninterest-bearing deposits | 10,171,000 | 11,437,000 | 10,375,000 | 10,664,000 |
| Equity capital | 14,373,000 | 14,478,000 | 14,885,000 | 14,902,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 946,000 | 1,904,000 | 2,839,000 | 3,748,000 |
| Interest expense | 120,000 | 231,000 | 332,000 | 428,000 |
| Net interest income | 826,000 | 1,673,000 | 2,507,000 | 3,320,000 |
| Noninterest income | 145,000 | 240,000 | 340,000 | 439,000 |
| Noninterest expense | 444,000 | 885,000 | 1,354,000 | 1,894,000 |
| Provision for loan losses | 5,000 | 82,000 | 93,000 | 205,000 |
| Pretax income | 522,000 | 946,000 | 1,400,000 | 1,660,000 |
| Income tax | 0 | 30,000 | 46,000 | 61,000 |
| Net income | 522,000 | 916,000 | 1,354,000 | 1,599,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,536,000 | 14,397,000 | 14,835,000 | 14,546,000 |
| Total capital | 15,113,000 | 14,980,000 | 15,398,000 | 15,082,000 |
| Risk-weighted assets | 46,053,000 | 46,492,000 | 44,907,000 | 42,745,000 |