Call reports 2015
FIRST NATIONAL BANK IN FREDONIA — 2015
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 99,888,000 | 98,628,000 | 96,601,000 | 100,486,000 |
| Total loans | 28,882,000 | 29,160,000 | 29,634,000 | 29,309,000 |
| Allowance for loan losses | 711,000 | 721,000 | 710,000 | 713,000 |
| Securities available for sale | 55,463,000 | 52,713,000 | 48,400,000 | 47,454,000 |
| Securities held to maturity | 13,699,000 | 14,013,000 | 14,943,000 | 14,883,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,262,000 | 83,519,000 | 81,194,000 | 85,775,000 |
| Interest-bearing deposits | 73,060,000 | 72,442,000 | 70,431,000 | 73,368,000 |
| Noninterest-bearing deposits | 11,202,000 | 11,076,000 | 10,763,000 | 12,407,000 |
| Equity capital | 15,543,000 | 15,054,000 | 15,332,000 | 14,674,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 887,000 | 1,755,000 | 2,633,000 | 3,499,000 |
| Interest expense | 90,000 | 179,000 | 265,000 | 346,000 |
| Net interest income | 797,000 | 1,576,000 | 2,368,000 | 3,153,000 |
| Noninterest income | 97,000 | 182,000 | 228,000 | 311,000 |
| Noninterest expense | 505,000 | 958,000 | 1,399,000 | 1,931,000 |
| Provision for loan losses | 35,000 | 71,000 | 86,000 | 121,000 |
| Pretax income | 354,000 | 729,000 | 1,216,000 | 1,517,000 |
| Income tax | 8,000 | 43,000 | 60,000 | 77,000 |
| Net income | 346,000 | 686,000 | 1,156,000 | 1,440,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,863,000 | 15,240,000 | 15,067,000 | 14,745,000 |
| Total capital | 15,381,000 | 15,756,000 | 15,604,000 | 15,287,000 |
| Risk-weighted assets | 41,279,000 | 41,043,000 | 42,803,000 | 43,213,000 |