Call reports 2017
FIRST NATIONAL BANK IN FREDONIA — 2017
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 93,283,000 | 94,333,000 | 90,581,000 | 95,300,000 |
| Total loans | 30,268,000 | 31,306,000 | 31,807,000 | 31,626,000 |
| Allowance for loan losses | 741,000 | 754,000 | 741,000 | 733,000 |
| Securities available for sale | 43,835,000 | 43,341,000 | 40,375,000 | 55,483,000 |
| Securities held to maturity | 14,507,000 | 14,914,000 | 15,122,000 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,216,000 | 78,610,000 | 75,155,000 | 80,190,000 |
| Interest-bearing deposits | 66,336,000 | 66,985,000 | 63,318,000 | 66,708,000 |
| Noninterest-bearing deposits | 11,880,000 | 11,625,000 | 11,837,000 | 13,482,000 |
| Equity capital | 15,029,000 | 15,670,000 | 15,368,000 | 15,084,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 840,000 | 1,681,000 | 2,530,000 | 3,365,000 |
| Interest expense | 76,000 | 153,000 | 228,000 | 302,000 |
| Net interest income | 764,000 | 1,528,000 | 2,302,000 | 3,063,000 |
| Noninterest income | 84,000 | 163,000 | 209,000 | 317,000 |
| Noninterest expense | 540,000 | 967,000 | 1,481,000 | 1,963,000 |
| Provision for loan losses | 29,000 | 47,000 | 66,000 | 124,000 |
| Pretax income | 279,000 | 677,000 | 964,000 | 1,291,000 |
| Income tax | 0 | 17,000 | 31,000 | 45,000 |
| Net income | 279,000 | 660,000 | 933,000 | 1,246,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,151,000 | 15,527,000 | 15,368,000 | 15,083,000 |
| Total capital | 15,633,000 | 16,051,000 | 15,889,000 | 15,673,000 |
| Risk-weighted assets | 38,343,000 | 41,714,000 | 41,496,000 | 47,047,000 |