Call reports 2025
FREDONIA VALLEY BANK — 2025
What FREDONIA VALLEY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 106,930,000 | 106,724,000 | 113,205,000 | 115,674,000 |
| Total loans | 70,184,000 | 72,314,000 | 73,317,000 | 72,881,000 |
| Allowance for loan losses | 1,031,000 | 1,030,000 | 1,044,000 | 1,129,000 |
| Securities available for sale | 23,289,000 | 23,187,000 | 23,996,000 | 23,412,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,247,000 | 92,601,000 | 98,422,000 | 101,117,000 |
| Interest-bearing deposits | 68,433,000 | 69,197,000 | 74,557,000 | 76,393,000 |
| Noninterest-bearing deposits | 24,814,000 | 23,404,000 | 23,865,000 | 24,724,000 |
| Equity capital | 10,270,000 | 10,613,000 | 11,313,000 | 11,509,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,409,000 | 2,847,000 | 4,374,000 | 5,929,000 |
| Interest expense | 498,000 | 1,000,000 | 1,503,000 | 2,009,000 |
| Net interest income | 911,000 | 1,847,000 | 2,871,000 | 3,920,000 |
| Noninterest income | 121,000 | 232,000 | 355,000 | 467,000 |
| Noninterest expense | 796,000 | 1,545,000 | 2,298,000 | 3,085,000 |
| Provision for loan losses | 0 | 0 | 10,000 | 110,000 |
| Pretax income | 236,000 | 534,000 | 918,000 | 1,192,000 |
| Income tax | 32,000 | 119,000 | 205,000 | 255,000 |
| Net income | 204,000 | 415,000 | 713,000 | 937,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,324,000 | 13,514,000 | 13,811,000 | 13,876,000 |