Call reports 2019
FREDONIA VALLEY BANK — 2019
What FREDONIA VALLEY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 82,320,000 | 81,418,000 | 81,047,000 | 84,472,000 |
| Total loans | 56,800,000 | 56,853,000 | 57,168,000 | 56,393,000 |
| Allowance for loan losses | 1,195,000 | 1,212,000 | 1,133,000 | 1,147,000 |
| Securities available for sale | 15,073,000 | 15,204,000 | 14,808,000 | 13,810,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,421,000 | 63,025,000 | 61,047,000 | 68,078,000 |
| Interest-bearing deposits | 40,584,000 | 40,878,000 | 40,193,000 | 44,599,000 |
| Noninterest-bearing deposits | 23,837,000 | 22,147,000 | 20,854,000 | 23,479,000 |
| Equity capital | 14,027,000 | 14,480,000 | 14,801,000 | 14,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 913,000 | 1,843,000 | 2,696,000 | 3,591,000 |
| Interest expense | 61,000 | 126,000 | 193,000 | 259,000 |
| Net interest income | 852,000 | 1,717,000 | 2,503,000 | 3,332,000 |
| Noninterest income | 121,000 | 253,000 | 384,000 | 509,000 |
| Noninterest expense | 574,000 | 1,194,000 | 1,785,000 | 2,561,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 399,000 | 776,000 | 1,035,000 | 1,213,000 |
| Income tax | 84,000 | 163,000 | 217,000 | 204,000 |
| Net income | 315,000 | 613,000 | 818,000 | 1,009,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,060,000 | 14,358,000 | 14,563,000 | 14,643,000 |
| Total capital | 14,735,000 | 15,039,000 | 15,248,000 | 15,326,000 |
| Risk-weighted assets | 53,558,000 | 53,958,000 | 54,407,000 | 54,230,000 |
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