Call reports 2013
BANK OF FAIRPORT, THE — 2013
What BANK OF FAIRPORT, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 29,310,000 | 27,183,000 | 26,601,000 | 26,303,000 |
| Total loans | 7,993,000 | 7,799,000 | 8,022,000 | 7,761,000 |
| Allowance for loan losses | 234,000 | 236,000 | 320,000 | 302,000 |
| Securities available for sale | 16,153,000 | 16,797,000 | 16,354,000 | 16,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 26,890,000 | 25,493,000 | 24,967,000 | 24,980,000 |
| Interest-bearing deposits | 22,963,000 | 21,940,000 | 21,159,000 | 21,296,000 |
| Noninterest-bearing deposits | 3,927,000 | 3,553,000 | 3,808,000 | 3,684,000 |
| Equity capital | 2,299,000 | 1,492,000 | 1,604,000 | 1,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 232,000 | 466,000 | 699,000 | 926,000 |
| Interest expense | 36,000 | 63,000 | 84,000 | 105,000 |
| Net interest income | 196,000 | 403,000 | 615,000 | 821,000 |
| Noninterest income | 30,000 | 65,000 | 91,000 | 125,000 |
| Noninterest expense | 221,000 | 425,000 | 621,000 | 865,000 |
| Provision for loan losses | 0 | 0 | 0 | 200,000 |
| Pretax income | 6,000 | 45,000 | 87,000 | -117,000 |
| Income tax | 0 | 12,000 | 26,000 | 27,000 |
| Net income | 6,000 | 33,000 | 61,000 | -144,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,948,000 | 1,975,000 | 1,924,000 | 1,714,000 |
| Total capital | 2,141,000 | 2,170,000 | 2,125,000 | 1,911,000 |
| Risk-weighted assets | 15,373,000 | 15,588,000 | 15,826,000 | 15,624,000 |