Call reports 2001
FREDONIA VALLEY BANK — 2001
What FREDONIA VALLEY BANK reported to the FFIEC in 2001, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Total assets | 45,604,000 | 48,746,000 | 52,703,000 | 58,051,000 |
| Total loans | 23,488,000 | 24,954,000 | 26,778,000 | 28,472,000 |
| Allowance for loan losses | 404,000 | 370,000 | 387,000 | 412,000 |
| Securities available for sale | 9,960,000 | 11,409,000 | 11,837,000 | 13,743,000 |
| Securities held to maturity | 7,395,000 | 8,128,000 | 8,054,000 | 7,712,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,672,000 | 38,927,000 | 41,726,000 | 44,735,000 |
| Interest-bearing deposits | 31,321,000 | 33,683,000 | 36,354,000 | 38,532,000 |
| Noninterest-bearing deposits | 5,351,000 | 5,244,000 | 5,372,000 | 6,203,000 |
| Equity capital | 5,329,000 | 5,341,000 | 5,530,000 | 5,336,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Interest income | 781,000 | 1,571,000 | 2,399,000 | 3,270,000 |
| Interest expense | 429,000 | 896,000 | 1,378,000 | 1,848,000 |
| Net interest income | 352,000 | 675,000 | 1,021,000 | 1,422,000 |
| Noninterest income | 36,000 | 79,000 | 118,000 | 159,000 |
| Noninterest expense | 283,000 | 572,000 | 828,000 | 1,220,000 |
| Provision for loan losses | 10,000 | 39,000 | 68,000 | 97,000 |
| Pretax income | 104,000 | 152,000 | 262,000 | 284,000 |
| Income tax | 1,000 | 2,000 | 4,000 | -16,000 |
| Net income | 103,000 | 150,000 | 258,000 | 300,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2001Q1 | 2001Q2 | 2001Q3 | 2001Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,217,000 | 5,234,000 | 5,439,000 | 5,408,000 |
| Total capital | 5,586,000 | 5,604,000 | 5,826,000 | 5,820,000 |
| Risk-weighted assets | 29,511,000 | 31,914,000 | 34,421,000 | 37,412,000 |