Call reports 2007
FREDONIA VALLEY BANK — 2007
What FREDONIA VALLEY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 65,831,000 | 65,382,000 | 64,358,000 | 66,609,000 |
| Total loans | 35,232,000 | 35,808,000 | 36,820,000 | 37,956,000 |
| Allowance for loan losses | 648,000 | 667,000 | 689,000 | 668,000 |
| Securities available for sale | 17,692,000 | 17,427,000 | 17,112,000 | 14,732,000 |
| Securities held to maturity | 4,206,000 | 4,044,000 | 4,002,000 | 3,960,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 46,531,000 | 45,880,000 | 45,128,000 | 47,714,000 |
| Interest-bearing deposits | 34,850,000 | 35,156,000 | 34,843,000 | 35,210,000 |
| Noninterest-bearing deposits | 11,681,000 | 10,724,000 | 10,285,000 | 12,504,000 |
| Equity capital | 6,258,000 | 6,438,000 | 6,767,000 | 6,810,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 917,000 | 1,893,000 | 2,861,000 | 3,784,000 |
| Interest expense | 405,000 | 824,000 | 1,248,000 | 1,668,000 |
| Net interest income | 512,000 | 1,069,000 | 1,613,000 | 2,116,000 |
| Noninterest income | 136,000 | 243,000 | 410,000 | 522,000 |
| Noninterest expense | 373,000 | 742,000 | 1,116,000 | 1,656,000 |
| Provision for loan losses | 27,000 | 59,000 | 89,000 | 119,000 |
| Pretax income | 248,000 | 511,000 | 818,000 | 863,000 |
| Income tax | 27,000 | 75,000 | 140,000 | 124,000 |
| Net income | 221,000 | 436,000 | 678,000 | 739,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,394,000 | 6,594,000 | 6,796,000 | 6,745,000 |
| Total capital | 6,851,000 | 7,054,000 | 7,261,000 | 7,221,000 |
| Risk-weighted assets | 36,372,000 | 36,575,000 | 36,941,000 | 37,852,000 |