Call reports 2006
FREDONIA VALLEY BANK — 2006
What FREDONIA VALLEY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 63,743,000 | 64,512,000 | 65,661,000 | 64,322,000 |
| Total loans | 34,017,000 | 34,763,000 | 35,798,000 | 35,691,000 |
| Allowance for loan losses | 698,000 | 675,000 | 689,000 | 595,000 |
| Securities available for sale | 19,591,000 | 19,441,000 | 19,514,000 | 18,394,000 |
| Securities held to maturity | 4,448,000 | 4,425,000 | 4,260,000 | 4,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,137,000 | 43,599,000 | 43,599,000 | 45,084,000 |
| Interest-bearing deposits | 35,198,000 | 34,001,000 | 34,083,000 | 35,057,000 |
| Noninterest-bearing deposits | 10,939,000 | 9,598,000 | 9,516,000 | 10,026,000 |
| Equity capital | 6,185,000 | 5,914,000 | 6,261,000 | 6,021,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 863,000 | 1,779,000 | 2,714,000 | 3,655,000 |
| Interest expense | 322,000 | 665,000 | 1,074,000 | 1,487,000 |
| Net interest income | 541,000 | 1,114,000 | 1,640,000 | 2,168,000 |
| Noninterest income | 86,000 | 192,000 | 306,000 | 425,000 |
| Noninterest expense | 382,000 | 774,000 | 1,157,000 | 1,706,000 |
| Provision for loan losses | 63,000 | 95,000 | 127,000 | 155,000 |
| Pretax income | 182,000 | 437,000 | 662,000 | 732,000 |
| Income tax | 28,000 | 68,000 | 129,000 | 82,000 |
| Net income | 154,000 | 369,000 | 533,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,423,000 | 6,271,000 | 6,421,000 | 6,173,000 |
| Total capital | 6,953,000 | 6,815,000 | 6,886,000 | 6,632,000 |
| Risk-weighted assets | 42,195,000 | 43,468,000 | 36,972,000 | 36,551,000 |