Call reports 2021
FREDONIA VALLEY BANK — 2021
What FREDONIA VALLEY BANK reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 97,493,000 | 94,727,000 | 93,639,000 | 102,529,000 |
| Total loans | 57,836,000 | 57,218,000 | 56,846,000 | 54,556,000 |
| Allowance for loan losses | 1,033,000 | 1,022,000 | 997,000 | 1,046,000 |
| Securities available for sale | 19,881,000 | 23,226,000 | 24,373,000 | 26,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,734,000 | 79,103,000 | 79,313,000 | 89,509,000 |
| Interest-bearing deposits | 52,784,000 | 50,023,000 | 51,734,000 | 55,217,000 |
| Noninterest-bearing deposits | 28,950,000 | 29,080,000 | 27,579,000 | 34,292,000 |
| Equity capital | 14,645,000 | 14,477,000 | 13,169,000 | 12,128,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 922,000 | 1,838,000 | 2,662,000 | 3,503,000 |
| Interest expense | 39,000 | 75,000 | 109,000 | 142,000 |
| Net interest income | 883,000 | 1,763,000 | 2,553,000 | 3,361,000 |
| Noninterest income | 109,000 | 219,000 | 338,000 | 454,000 |
| Noninterest expense | 666,000 | 1,335,000 | 1,916,000 | 2,651,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 341,000 | 663,000 | 995,000 | 1,184,000 |
| Income tax | 68,000 | 132,000 | 199,000 | 197,000 |
| Net income | 273,000 | 531,000 | 796,000 | 987,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,691,000 | 14,402,000 | 13,111,000 | 12,213,000 |
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