Call reports 2002
FREDONIA VALLEY BANK — 2002
What FREDONIA VALLEY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 59,661,000 | 60,377,000 | 62,682,000 | 65,643,000 |
| Total loans | 28,490,000 | 29,678,000 | 30,451,000 | 31,598,000 |
| Allowance for loan losses | 405,000 | 421,000 | 419,000 | 409,000 |
| Securities available for sale | 13,211,000 | 13,398,000 | 13,697,000 | 15,616,000 |
| Securities held to maturity | 8,507,000 | 9,543,000 | 9,029,000 | 8,601,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 45,090,000 | 45,022,000 | 45,794,000 | 47,423,000 |
| Interest-bearing deposits | 39,379,000 | 39,187,000 | 39,289,000 | 40,723,000 |
| Noninterest-bearing deposits | 5,711,000 | 5,835,000 | 6,505,000 | 6,700,000 |
| Equity capital | 5,433,000 | 5,783,000 | 6,090,000 | 5,952,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 867,000 | 1,749,000 | 2,631,000 | 3,523,000 |
| Interest expense | 452,000 | 897,000 | 1,333,000 | 1,768,000 |
| Net interest income | 415,000 | 852,000 | 1,298,000 | 1,755,000 |
| Noninterest income | 41,000 | 102,000 | 139,000 | 180,000 |
| Noninterest expense | 277,000 | 572,000 | 860,000 | 1,310,000 |
| Provision for loan losses | 29,000 | 58,000 | 142,000 | 171,000 |
| Pretax income | 150,000 | 329,000 | 440,000 | 466,000 |
| Income tax | 7,000 | 19,000 | 20,000 | 9,000 |
| Net income | 143,000 | 310,000 | 420,000 | 457,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,556,000 | 5,695,000 | 5,804,000 | 5,764,000 |
| Total capital | 5,961,000 | 6,116,000 | 6,223,000 | 6,173,000 |
| Risk-weighted assets | 38,516,000 | 39,738,000 | 41,406,000 | 43,252,000 |