Call reports 2019
FIRST NATIONAL BANK IN FREDONIA — 2019
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 90,600,000 | 90,674,000 | 88,062,000 | 95,188,000 |
| Total loans | 33,175,000 | 33,896,000 | 34,201,000 | 34,445,000 |
| Allowance for loan losses | 808,000 | 765,000 | 765,000 | 743,000 |
| Securities available for sale | 51,451,000 | 51,138,000 | 49,166,000 | 50,204,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,917,000 | 73,827,000 | 71,301,000 | 78,715,000 |
| Interest-bearing deposits | 59,105,000 | 58,969,000 | 57,366,000 | 64,820,000 |
| Noninterest-bearing deposits | 15,812,000 | 14,858,000 | 13,935,000 | 13,895,000 |
| Equity capital | 15,636,000 | 16,756,000 | 16,646,000 | 16,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,810,000 | 2,695,000 | 3,569,000 |
| Interest expense | 108,000 | 216,000 | 327,000 | 446,000 |
| Net interest income | 798,000 | 1,594,000 | 2,368,000 | 3,123,000 |
| Noninterest income | 71,000 | 153,000 | 236,000 | 322,000 |
| Noninterest expense | 561,000 | 988,000 | 1,505,000 | 2,041,000 |
| Provision for loan losses | 7,000 | 14,000 | 21,000 | 28,000 |
| Pretax income | 301,000 | 745,000 | 1,081,000 | 1,379,000 |
| Income tax | 4,000 | 38,000 | 55,000 | 72,000 |
| Net income | 297,000 | 707,000 | 1,026,000 | 1,307,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,956,000 | 16,333,000 | 16,106,000 | 15,843,000 |
| Total capital | 16,492,000 | 16,859,000 | 16,614,000 | 16,375,000 |
| Risk-weighted assets | 42,454,000 | 41,962,000 | 40,350,000 | 42,381,000 |