Call reports 2003
FREDONIA VALLEY BANK — 2003
What FREDONIA VALLEY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 69,998,000 | 72,878,000 | 72,142,000 | 72,218,000 |
| Total loans | 32,329,000 | 34,015,000 | 34,704,000 | 34,164,000 |
| Allowance for loan losses | 447,000 | 455,000 | 473,000 | 380,000 |
| Securities available for sale | 16,065,000 | 15,810,000 | 14,802,000 | 14,673,000 |
| Securities held to maturity | 8,322,000 | 8,134,000 | 7,684,000 | 7,464,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,247,000 | 50,653,000 | 49,567,000 | 49,288,000 |
| Interest-bearing deposits | 42,023,000 | 43,342,000 | 42,604,000 | 42,126,000 |
| Noninterest-bearing deposits | 7,224,000 | 7,311,000 | 6,963,000 | 7,162,000 |
| Equity capital | 6,098,000 | 6,554,000 | 6,498,000 | 6,381,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 889,000 | 1,787,000 | 2,689,000 | 3,554,000 |
| Interest expense | 427,000 | 830,000 | 1,209,000 | 1,579,000 |
| Net interest income | 462,000 | 957,000 | 1,480,000 | 1,975,000 |
| Noninterest income | 48,000 | 94,000 | 152,000 | 202,000 |
| Noninterest expense | 304,000 | 607,000 | 901,000 | 1,392,000 |
| Provision for loan losses | 31,000 | 63,000 | 125,000 | 188,000 |
| Pretax income | 190,000 | 405,000 | 648,000 | 654,000 |
| Income tax | 8,000 | 29,000 | 59,000 | 22,000 |
| Net income | 182,000 | 376,000 | 589,000 | 632,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,951,000 | 6,123,000 | 6,335,000 | 6,194,000 |
| Total capital | 6,397,000 | 6,578,000 | 6,808,000 | 6,574,000 |
| Risk-weighted assets | 44,910,000 | 46,972,000 | 47,101,000 | 46,066,000 |
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