Call reports 2021
FIRST NATIONAL BANK IN FREDONIA — 2021
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 104,852,000 | 103,465,000 | 101,837,000 | 106,117,000 |
| Total loans | 37,334,000 | 36,668,000 | 32,368,000 | 32,376,000 |
| Allowance for loan losses | 765,000 | 772,000 | 781,000 | 803,000 |
| Securities available for sale | 61,697,000 | 64,624,000 | 65,203,000 | 65,025,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,917,000 | 86,294,000 | 84,680,000 | 89,809,000 |
| Interest-bearing deposits | 70,641,000 | 68,649,000 | 67,197,000 | 72,871,000 |
| Noninterest-bearing deposits | 17,276,000 | 17,645,000 | 17,483,000 | 16,938,000 |
| Equity capital | 16,850,000 | 17,086,000 | 17,066,000 | 16,277,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 758,000 | 1,566,000 | 2,598,000 | 3,349,000 |
| Interest expense | 96,000 | 184,000 | 269,000 | 353,000 |
| Net interest income | 662,000 | 1,382,000 | 2,329,000 | 2,996,000 |
| Noninterest income | 84,000 | 164,000 | 242,000 | 332,000 |
| Noninterest expense | 550,000 | 988,000 | 1,505,000 | 2,098,000 |
| Provision for loan losses | 7,000 | 14,000 | 20,000 | 27,000 |
| Pretax income | 189,000 | 564,000 | 1,072,000 | 1,236,000 |
| Income tax | 0 | 17,000 | 30,000 | 43,000 |
| Net income | 189,000 | 547,000 | 1,042,000 | 1,193,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,194,000 | 16,558,000 | 16,645,000 | 16,409,000 |