Call reports 2005
BANK OF FAIRPORT, THE — 2005
What BANK OF FAIRPORT, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 19,732,000 | 20,431,000 | 20,812,000 | 21,472,000 |
| Total loans | 7,499,000 | 7,611,000 | 7,543,000 | 7,879,000 |
| Allowance for loan losses | 320,000 | 311,000 | 297,000 | 287,000 |
| Securities available for sale | 9,754,000 | 10,107,000 | 11,096,000 | 8,956,000 |
| Securities held to maturity | 25,000 | 25,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 17,732,000 | 18,422,000 | 18,824,000 | 19,553,000 |
| Interest-bearing deposits | 15,690,000 | 16,621,000 | 16,428,000 | 16,750,000 |
| Noninterest-bearing deposits | 2,042,000 | 1,801,000 | 2,396,000 | 2,803,000 |
| Equity capital | 1,937,000 | 1,945,000 | 1,926,000 | 1,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 210,000 | 422,000 | 682,000 | 917,000 |
| Interest expense | 89,000 | 181,000 | 278,000 | 373,000 |
| Net interest income | 121,000 | 241,000 | 404,000 | 544,000 |
| Noninterest income | 27,000 | 58,000 | 87,000 | 114,000 |
| Noninterest expense | 172,000 | 342,000 | 516,000 | 740,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -24,000 | -43,000 | -25,000 | -132,000 |
| Income tax | -17,000 | -32,000 | -32,000 | -80,000 |
| Net income | -7,000 | -11,000 | 7,000 | -52,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,987,000 | 1,982,000 | 1,938,000 | 1,869,000 |
| Total capital | 2,122,000 | 2,119,000 | 2,073,000 | 1,997,000 |
| Risk-weighted assets | 10,607,000 | 10,763,000 | 10,660,000 | 10,071,000 |
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