Call reports 2024
FREDONIA VALLEY BANK — 2024
What FREDONIA VALLEY BANK reported to the FFIEC in 2024, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Total assets | 101,611,000 | 104,735,000 | 105,695,000 | 110,128,000 |
| Total loans | 65,834,000 | 66,334,000 | 67,360,000 | 69,316,000 |
| Allowance for loan losses | 1,063,000 | 1,048,000 | 1,018,000 | 1,039,000 |
| Securities available for sale | 24,126,000 | 23,948,000 | 25,005,000 | 22,944,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,491,000 | 85,619,000 | 89,805,000 | 95,334,000 |
| Interest-bearing deposits | 59,909,000 | 59,947,000 | 64,752,000 | 68,679,000 |
| Noninterest-bearing deposits | 25,582,000 | 25,672,000 | 25,053,000 | 26,655,000 |
| Equity capital | 10,269,000 | 10,600,000 | 11,485,000 | 10,738,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Interest income | 1,226,000 | 2,496,000 | 3,880,000 | 5,307,000 |
| Interest expense | 392,000 | 825,000 | 1,318,000 | 1,848,000 |
| Net interest income | 834,000 | 1,671,000 | 2,562,000 | 3,459,000 |
| Noninterest income | 125,000 | 194,000 | 305,000 | 451,000 |
| Noninterest expense | 738,000 | 1,455,000 | 2,176,000 | 2,949,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 221,000 | 410,000 | 691,000 | 961,000 |
| Income tax | 19,000 | 55,000 | 156,000 | 214,000 |
| Net income | 202,000 | 355,000 | 535,000 | 747,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2024Q1 | 2024Q2 | 2024Q3 | 2024Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,757,000 | 13,912,000 | 14,068,000 | 14,116,000 |
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