Call reports 2008
BANK OF FAIRPORT, THE — 2008
What BANK OF FAIRPORT, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 22,738,000 | 21,802,000 | 21,130,000 | 20,659,000 |
| Total loans | 9,513,000 | 9,728,000 | 10,268,000 | 10,361,000 |
| Allowance for loan losses | 210,000 | 218,000 | 259,000 | 248,000 |
| Securities available for sale | 9,842,000 | 9,506,000 | 8,683,000 | 7,959,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 20,414,000 | 19,630,000 | 19,009,000 | 18,162,000 |
| Interest-bearing deposits | 17,604,000 | 17,178,000 | 16,946,000 | 15,702,000 |
| Noninterest-bearing deposits | 2,810,000 | 2,452,000 | 2,063,000 | 2,460,000 |
| Equity capital | 2,241,000 | 2,093,000 | 2,037,000 | 2,056,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 325,000 | 636,000 | 937,000 | 1,243,000 |
| Interest expense | 106,000 | 220,000 | 327,000 | 426,000 |
| Net interest income | 219,000 | 416,000 | 610,000 | 817,000 |
| Noninterest income | 24,000 | 59,000 | 97,000 | 128,000 |
| Noninterest expense | 211,000 | 417,000 | 678,000 | 935,000 |
| Provision for loan losses | 0 | 0 | 42,000 | 42,000 |
| Pretax income | 32,000 | 58,000 | -13,000 | -32,000 |
| Income tax | 0 | 0 | 0 | -12,000 |
| Net income | 32,000 | 58,000 | -13,000 | -20,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,978,000 | 2,005,000 | 1,936,000 | 1,916,000 |
| Total capital | 2,121,000 | 2,151,000 | 2,085,000 | 2,063,000 |
| Risk-weighted assets | 11,336,000 | 11,644,000 | 11,772,000 | 11,678,000 |
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