Call reports 2012
FREDONIA VALLEY BANK — 2012
What FREDONIA VALLEY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 71,981,000 | 70,284,000 | 70,964,000 | 74,547,000 |
| Total loans | 48,232,000 | 49,065,000 | 50,283,000 | 52,496,000 |
| Allowance for loan losses | 1,037,000 | 1,082,000 | 1,088,000 | 1,049,000 |
| Securities available for sale | 14,090,000 | 14,289,000 | 14,767,000 | 14,016,000 |
| Securities held to maturity | 878,000 | 575,000 | 320,000 | 320,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,409,000 | 52,112,000 | 50,318,000 | 56,888,000 |
| Interest-bearing deposits | 39,427,000 | 37,816,000 | 36,767,000 | 38,407,000 |
| Noninterest-bearing deposits | 14,982,000 | 14,296,000 | 13,551,000 | 18,481,000 |
| Equity capital | 8,725,000 | 9,064,000 | 9,327,000 | 9,246,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 861,000 | 1,733,000 | 2,621,000 | 3,519,000 |
| Interest expense | 159,000 | 306,000 | 442,000 | 574,000 |
| Net interest income | 702,000 | 1,427,000 | 2,179,000 | 2,945,000 |
| Noninterest income | 106,000 | 197,000 | 291,000 | 380,000 |
| Noninterest expense | 464,000 | 925,000 | 1,405,000 | 2,103,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 290,000 |
| Pretax income | 284,000 | 579,000 | 885,000 | 940,000 |
| Income tax | 50,000 | 99,000 | 150,000 | 183,000 |
| Net income | 234,000 | 480,000 | 735,000 | 757,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,544,000 | 8,791,000 | 9,036,000 | 8,981,000 |
| Total capital | 9,081,000 | 9,333,000 | 9,593,000 | 9,552,000 |
| Risk-weighted assets | 42,477,000 | 42,814,000 | 44,273,000 | 45,642,000 |