Call reports 2012
BANK OF FAIRPORT, THE — 2012
What BANK OF FAIRPORT, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 26,617,000 | 26,186,000 | 25,960,000 | 26,436,000 |
| Total loans | 9,154,000 | 8,662,000 | 8,331,000 | 7,933,000 |
| Allowance for loan losses | 267,000 | 275,000 | 236,000 | 236,000 |
| Securities available for sale | 13,937,000 | 13,643,000 | 12,805,000 | 15,195,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,461,000 | 23,789,000 | 23,506,000 | 24,002,000 |
| Interest-bearing deposits | 20,734,000 | 20,447,000 | 20,498,000 | 20,252,000 |
| Noninterest-bearing deposits | 3,727,000 | 3,342,000 | 3,008,000 | 3,750,000 |
| Equity capital | 2,066,000 | 2,304,000 | 2,348,000 | 2,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 236,000 | 473,000 | 711,000 | 944,000 |
| Interest expense | 50,000 | 92,000 | 131,000 | 168,000 |
| Net interest income | 186,000 | 381,000 | 580,000 | 776,000 |
| Noninterest income | 30,000 | 65,000 | 96,000 | 128,000 |
| Noninterest expense | 216,000 | 441,000 | 647,000 | 905,000 |
| Provision for loan losses | 200,000 | 200,000 | 292,000 | 292,000 |
| Pretax income | -200,000 | -82,000 | 32,000 | 2,000 |
| Income tax | 0 | 0 | 0 | 12,000 |
| Net income | -200,000 | -82,000 | 32,000 | -10,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,735,000 | 1,852,000 | 1,967,000 | 1,942,000 |
| Total capital | 1,962,000 | 2,064,000 | 2,107,000 | 2,126,000 |
| Risk-weighted assets | 18,126,000 | 16,921,000 | 11,066,000 | 14,707,000 |