Call reports 2015
BANK OF FAIRPORT, THE — 2015
What BANK OF FAIRPORT, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 26,237,000 | 22,854,000 | 22,657,000 | 22,843,000 |
| Total loans | 8,088,000 | 8,033,000 | 8,159,000 | 8,434,000 |
| Allowance for loan losses | 241,000 | 237,000 | 245,000 | 249,000 |
| Securities available for sale | 12,667,000 | 12,362,000 | 11,885,000 | 11,778,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,234,000 | 21,098,000 | 20,784,000 | 21,053,000 |
| Interest-bearing deposits | 19,827,000 | 17,393,000 | 17,391,000 | 17,004,000 |
| Noninterest-bearing deposits | 4,407,000 | 3,705,000 | 3,394,000 | 4,049,000 |
| Equity capital | 1,894,000 | 1,745,000 | 1,864,000 | 1,780,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 198,000 | 389,000 | 588,000 | 775,000 |
| Interest expense | 20,000 | 37,000 | 52,000 | 66,000 |
| Net interest income | 178,000 | 352,000 | 536,000 | 709,000 |
| Noninterest income | 32,000 | 52,000 | 83,000 | 99,000 |
| Noninterest expense | 203,000 | 408,000 | 604,000 | 833,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 8,000 | -3,000 | 17,000 | -23,000 |
| Income tax | 3,000 | 0 | 6,000 | 0 |
| Net income | 5,000 | -3,000 | 11,000 | -23,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,821,000 | 1,810,000 | 1,824,000 | 1,790,000 |
| Total capital | 2,000,000 | 1,942,000 | 1,950,000 | 1,946,000 |
| Risk-weighted assets | 11,010,000 | 10,489,000 | 9,885,000 | 12,435,000 |