Call reports 2011
BANK OF FAIRPORT, THE — 2011
What BANK OF FAIRPORT, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 25,442,000 | 24,960,000 | 24,779,000 | 25,466,000 |
| Total loans | 10,473,000 | 10,336,000 | 9,640,000 | 9,531,000 |
| Allowance for loan losses | 325,000 | 326,000 | 281,000 | 267,000 |
| Securities available for sale | 11,768,000 | 12,514,000 | 10,587,000 | 13,728,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,486,000 | 22,795,000 | 22,369,000 | 23,107,000 |
| Interest-bearing deposits | 20,614,000 | 19,943,000 | 19,167,000 | 19,380,000 |
| Noninterest-bearing deposits | 2,872,000 | 2,852,000 | 3,202,000 | 3,727,000 |
| Equity capital | 1,889,000 | 2,071,000 | 2,297,000 | 2,272,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 301,000 | 599,000 | 868,000 | 1,112,000 |
| Interest expense | 64,000 | 129,000 | 192,000 | 249,000 |
| Net interest income | 237,000 | 470,000 | 676,000 | 863,000 |
| Noninterest income | 29,000 | 57,000 | 84,000 | 106,000 |
| Noninterest expense | 219,000 | 451,000 | 684,000 | 918,000 |
| Provision for loan losses | 0 | 0 | 0 | 30,000 |
| Pretax income | 47,000 | 76,000 | 76,000 | 21,000 |
| Income tax | 12,000 | 23,000 | 21,000 | 6,000 |
| Net income | 35,000 | 53,000 | 55,000 | 15,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,952,000 | 1,965,000 | 1,974,000 | 1,935,000 |
| Total capital | 2,150,000 | 2,180,000 | 2,186,000 | 2,171,000 |
| Risk-weighted assets | 15,745,000 | 17,094,000 | 16,768,000 | 18,879,000 |