Call reports 2018
FIRST NATIONAL BANK IN FREDONIA — 2018
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 92,005,000 | 92,187,000 | 89,138,000 | 94,895,000 |
| Total loans | 31,276,000 | 32,450,000 | 33,095,000 | 34,445,000 |
| Allowance for loan losses | 787,000 | 785,000 | 772,000 | 790,000 |
| Securities available for sale | 56,416,000 | 55,924,000 | 53,518,000 | 51,893,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,364,000 | 75,739,000 | 73,141,000 | 80,057,000 |
| Interest-bearing deposits | 63,580,000 | 61,866,000 | 59,253,000 | 64,945,000 |
| Noninterest-bearing deposits | 13,784,000 | 13,873,000 | 13,888,000 | 15,112,000 |
| Equity capital | 14,609,000 | 14,911,000 | 14,449,000 | 14,811,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 845,000 | 1,715,000 | 2,596,000 | 3,487,000 |
| Interest expense | 71,000 | 141,000 | 221,000 | 322,000 |
| Net interest income | 774,000 | 1,574,000 | 2,375,000 | 3,165,000 |
| Noninterest income | 90,000 | 169,000 | 223,000 | 311,000 |
| Noninterest expense | 545,000 | 993,000 | 1,500,000 | 2,007,000 |
| Provision for loan losses | 5,000 | 12,000 | 19,000 | 26,000 |
| Pretax income | 314,000 | 738,000 | 1,079,000 | 1,443,000 |
| Income tax | 4,000 | 34,000 | 49,000 | 64,000 |
| Net income | 310,000 | 704,000 | 1,030,000 | 1,379,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,560,000 | 16,002,000 | 15,849,000 | 15,683,000 |
| Total capital | 16,101,000 | 16,605,000 | 16,448,000 | 16,316,000 |
| Risk-weighted assets | 43,037,000 | 48,097,000 | 47,822,000 | 50,553,000 |