Call reports 2005
FREDONIA VALLEY BANK — 2005
What FREDONIA VALLEY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 70,075,000 | 67,329,000 | 66,197,000 | 64,877,000 |
| Total loans | 33,435,000 | 33,549,000 | 34,091,000 | 33,983,000 |
| Allowance for loan losses | 524,000 | 538,000 | 573,000 | 628,000 |
| Securities available for sale | 20,493,000 | 20,394,000 | 20,634,000 | 19,695,000 |
| Securities held to maturity | 5,321,000 | 4,952,000 | 4,653,000 | 4,451,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 49,717,000 | 47,347,000 | 46,668,000 | 46,302,000 |
| Interest-bearing deposits | 39,036,000 | 38,081,000 | 37,227,000 | 36,229,000 |
| Noninterest-bearing deposits | 10,681,000 | 9,266,000 | 9,441,000 | 10,073,000 |
| Equity capital | 6,623,000 | 6,803,000 | 6,721,000 | 6,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 878,000 | 1,755,000 | 2,560,000 | 3,459,000 |
| Interest expense | 328,000 | 660,000 | 996,000 | 1,334,000 |
| Net interest income | 550,000 | 1,095,000 | 1,564,000 | 2,125,000 |
| Noninterest income | 101,000 | 176,000 | 280,000 | 353,000 |
| Noninterest expense | 366,000 | 715,000 | 1,074,000 | 1,606,000 |
| Provision for loan losses | 62,000 | 125,000 | 193,000 | 254,000 |
| Pretax income | 226,000 | 447,000 | 593,000 | 634,000 |
| Income tax | 35,000 | 62,000 | 83,000 | 47,000 |
| Net income | 191,000 | 385,000 | 510,000 | 587,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,664,000 | 6,806,000 | 6,831,000 | 6,703,000 |
| Total capital | 7,188,000 | 7,343,000 | 7,369,000 | 7,238,000 |
| Risk-weighted assets | 43,336,000 | 42,960,000 | 42,999,000 | 42,683,000 |