Call reports 2015
FAIRFIELD NATIONAL BANK, THE — 2015
What FAIRFIELD NATIONAL BANK, 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 | 464,083,000 | 469,020,000 | 480,592,000 | 493,845,000 |
| Total loans | 240,061,000 | 253,395,000 | 253,045,000 | 262,971,000 |
| Allowance for loan losses | 1,077,000 | 1,026,000 | 1,099,000 | 1,102,000 |
| Securities available for sale | 185,645,000 | 181,445,000 | 194,014,000 | 195,650,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 320,971,000 | 316,894,000 | 316,773,000 | 316,300,000 |
| Interest-bearing deposits | 296,093,000 | 293,588,000 | 294,800,000 | 294,280,000 |
| Noninterest-bearing deposits | 24,877,000 | 23,305,000 | 21,972,000 | 22,020,000 |
| Equity capital | 49,899,000 | 49,831,000 | 51,458,000 | 52,504,000 |
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 | 3,738,000 | 7,536,000 | 11,359,000 | 15,364,000 |
| Interest expense | 791,000 | 1,575,000 | 2,319,000 | 3,109,000 |
| Net interest income | 2,947,000 | 5,961,000 | 9,040,000 | 12,255,000 |
| Noninterest income | 475,000 | 867,000 | 1,232,000 | 1,610,000 |
| Noninterest expense | 1,571,000 | 3,099,000 | 4,701,000 | 6,454,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 150,000 |
| Pretax income | 1,875,000 | 3,806,000 | 5,825,000 | 7,697,000 |
| Income tax | 489,000 | 978,000 | 1,532,000 | 2,027,000 |
| Net income | 1,386,000 | 2,828,000 | 4,293,000 | 5,670,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 44,470,000 | 45,410,000 | 46,916,000 | 47,682,000 |
| Total capital | 45,547,000 | 46,436,000 | 48,015,000 | 48,784,000 |
| Risk-weighted assets | 193,253,000 | 204,994,000 | 205,663,000 | 214,733,000 |