Call reports 2009
FREDONIA VALLEY BANK — 2009
What FREDONIA VALLEY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 69,776,000 | 67,173,000 | 67,790,000 | 69,029,000 |
| Total loans | 41,533,000 | 43,020,000 | 44,190,000 | 44,757,000 |
| Allowance for loan losses | 724,000 | 623,000 | 637,000 | 686,000 |
| Securities available for sale | 14,474,000 | 13,740,000 | 13,741,000 | 12,703,000 |
| Securities held to maturity | 3,135,000 | 3,113,000 | 2,508,000 | 2,138,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,148,000 | 48,355,000 | 48,734,000 | 51,608,000 |
| Interest-bearing deposits | 38,413,000 | 37,250,000 | 37,315,000 | 38,337,000 |
| Noninterest-bearing deposits | 12,735,000 | 11,105,000 | 11,419,000 | 13,271,000 |
| Equity capital | 7,043,000 | 7,077,000 | 7,515,000 | 7,407,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 932,000 | 1,862,000 | 2,800,000 | 3,743,000 |
| Interest expense | 358,000 | 674,000 | 965,000 | 1,242,000 |
| Net interest income | 574,000 | 1,188,000 | 1,835,000 | 2,501,000 |
| Noninterest income | 88,000 | 209,000 | 318,000 | 412,000 |
| Noninterest expense | 402,000 | 889,000 | 1,299,000 | 1,977,000 |
| Provision for loan losses | 29,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 231,000 | 448,000 | 764,000 | 816,000 |
| Income tax | -76,000 | 39,000 | 96,000 | 94,000 |
| Net income | 307,000 | 409,000 | 668,000 | 722,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,056,000 | 7,149,000 | 7,408,000 | 7,390,000 |
| Total capital | 7,556,000 | 7,649,000 | 7,916,000 | 7,905,000 |
| Risk-weighted assets | 39,739,000 | 39,896,000 | 40,542,000 | 41,018,000 |