Call reports 2022
FIRST NATIONAL BANK IN FREDONIA — 2022
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 100,989,000 | 97,670,000 | 94,556,000 | 97,264,000 |
| Total loans | 31,606,000 | 32,263,000 | 32,569,000 | 31,731,000 |
| Allowance for loan losses | 823,000 | 839,000 | 859,000 | 903,000 |
| Securities available for sale | 65,994,000 | 63,318,000 | 58,549,000 | 57,629,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 88,207,000 | 87,748,000 | 86,916,000 | 89,257,000 |
| Interest-bearing deposits | 71,318,000 | 70,740,000 | 67,570,000 | 72,223,000 |
| Noninterest-bearing deposits | 16,889,000 | 17,008,000 | 19,346,000 | 17,034,000 |
| Equity capital | 12,738,000 | 9,871,000 | 7,578,000 | 7,978,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 797,000 | 1,591,000 | 2,415,000 | 3,241,000 |
| Interest expense | 83,000 | 165,000 | 252,000 | 332,000 |
| Net interest income | 714,000 | 1,426,000 | 2,163,000 | 2,909,000 |
| Noninterest income | 96,000 | 185,000 | 275,000 | 361,000 |
| Noninterest expense | 494,000 | 982,000 | 1,463,000 | 2,049,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 311,000 | 618,000 | 958,000 | 1,198,000 |
| Income tax | 5,000 | 34,000 | 50,000 | 64,000 |
| Net income | 306,000 | 584,000 | 908,000 | 1,134,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,891,000 | 17,313,000 | 17,231,000 | 16,923,000 |