Call reports 2016
FIRST NATIONAL BANK IN FREDONIA — 2016
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 95,709,000 | 96,355,000 | 92,734,000 | 97,691,000 |
| Total loans | 28,828,000 | 29,011,000 | 29,231,000 | 30,516,000 |
| Allowance for loan losses | 713,000 | 701,000 | 701,000 | 699,000 |
| Securities available for sale | 48,662,000 | 48,755,000 | 45,424,000 | 42,511,000 |
| Securities held to maturity | 14,873,000 | 14,864,000 | 14,606,000 | 14,421,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,338,000 | 78,579,000 | 76,791,000 | 83,168,000 |
| Interest-bearing deposits | 68,872,000 | 68,045,000 | 66,688,000 | 71,417,000 |
| Noninterest-bearing deposits | 11,466,000 | 10,534,000 | 10,103,000 | 11,751,000 |
| Equity capital | 15,313,000 | 16,191,000 | 15,853,000 | 14,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 855,000 | 1,709,000 | 2,541,000 | 3,347,000 |
| Interest expense | 79,000 | 158,000 | 238,000 | 316,000 |
| Net interest income | 776,000 | 1,551,000 | 2,303,000 | 3,031,000 |
| Noninterest income | 88,000 | 179,000 | 278,000 | 369,000 |
| Noninterest expense | 509,000 | 916,000 | 1,423,000 | 1,921,000 |
| Provision for loan losses | 35,000 | 71,000 | 106,000 | 172,000 |
| Pretax income | 326,000 | 749,000 | 1,058,000 | 1,313,000 |
| Income tax | 0 | 28,000 | 45,000 | 61,000 |
| Net income | 326,000 | 721,000 | 1,013,000 | 1,252,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,055,000 | 15,429,000 | 15,161,000 | 14,884,000 |
| Total capital | 15,583,000 | 15,964,000 | 15,677,000 | 15,411,000 |
| Risk-weighted assets | 42,059,000 | 42,534,000 | 41,093,000 | 42,029,000 |