Call reports 2020
FREDONIA VALLEY BANK — 2020
What FREDONIA VALLEY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 82,859,000 | 91,438,000 | 89,877,000 | 97,009,000 |
| Total loans | 55,213,000 | 57,689,000 | 58,925,000 | 58,240,000 |
| Allowance for loan losses | 1,059,000 | 1,087,000 | 1,077,000 | 1,031,000 |
| Securities available for sale | 12,353,000 | 16,797,000 | 17,387,000 | 18,340,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 66,537,000 | 74,488,000 | 72,682,000 | 81,087,000 |
| Interest-bearing deposits | 42,996,000 | 47,594,000 | 45,463,000 | 50,496,000 |
| Noninterest-bearing deposits | 23,541,000 | 26,894,000 | 27,219,000 | 30,591,000 |
| Equity capital | 14,883,000 | 15,448,000 | 15,700,000 | 14,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 865,000 | 1,806,000 | 2,704,000 | 3,545,000 |
| Interest expense | 57,000 | 110,000 | 158,000 | 201,000 |
| Net interest income | 808,000 | 1,696,000 | 2,546,000 | 3,344,000 |
| Noninterest income | 109,000 | 195,000 | 288,000 | 431,000 |
| Noninterest expense | 601,000 | 1,260,000 | 1,900,000 | 2,737,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 361,000 | 705,000 | 1,008,000 | 1,117,000 |
| Income tax | 72,000 | 141,000 | 202,000 | 168,000 |
| Net income | 289,000 | 564,000 | 806,000 | 949,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,906,000 | 15,153,000 | 15,395,000 | 14,419,000 |
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