Call reports 2025
FIRST NATIONAL BANK IN FREDONIA — 2025
What FIRST NATIONAL BANK IN FREDONIA reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 97,680,000 | 97,671,000 | 99,229,000 | 105,400,000 |
| Total loans | 30,269,000 | 29,759,000 | 29,373,000 | 30,654,000 |
| Allowance for loan losses | 964,000 | 917,000 | 805,000 | 827,000 |
| Securities available for sale | 58,791,000 | 60,696,000 | 61,584,000 | 60,929,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 87,066,000 | 86,956,000 | 87,110,000 | 93,360,000 |
| Interest-bearing deposits | 68,848,000 | 66,938,000 | 66,021,000 | 73,159,000 |
| Noninterest-bearing deposits | 18,218,000 | 20,018,000 | 21,089,000 | 20,201,000 |
| Equity capital | 10,398,000 | 10,534,000 | 11,909,000 | 11,903,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,022,000 | 2,084,000 | 3,136,000 | 4,176,000 |
| Interest expense | 252,000 | 497,000 | 742,000 | 985,000 |
| Net interest income | 770,000 | 1,587,000 | 2,394,000 | 3,191,000 |
| Noninterest income | 100,000 | 180,000 | 255,000 | 325,000 |
| Noninterest expense | 532,000 | 1,061,000 | 1,561,000 | 2,211,000 |
| Provision for loan losses | 6,000 | 13,000 | 15,000 | 15,000 |
| Pretax income | 332,000 | 693,000 | 1,073,000 | 1,290,000 |
| Income tax | 0 | 20,000 | 32,000 | 42,000 |
| Net income | 332,000 | 673,000 | 1,041,000 | 1,248,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,454,000 | 17,795,000 | 17,720,000 | 17,466,000 |