Call reports 2003
FIRST NATIONAL BANK OF FAIRFIELD, THE — 2003
What FIRST NATIONAL BANK OF FAIRFIELD, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 73,404,000 | 72,850,000 | 74,942,000 | 77,903,000 |
| Total loans | 35,680,000 | 36,899,000 | 37,693,000 | 39,191,000 |
| Allowance for loan losses | 672,000 | 708,000 | 738,000 | 760,000 |
| Securities available for sale | 19,840,000 | 19,802,000 | 20,088,000 | 22,380,000 |
| Securities held to maturity | 2,121,000 | 2,527,000 | 2,449,000 | 3,381,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,063,000 | 60,274,000 | 62,009,000 | 65,046,000 |
| Interest-bearing deposits | 53,285,000 | 51,974,000 | 54,741,000 | 56,828,000 |
| Noninterest-bearing deposits | 7,779,000 | 8,300,000 | 7,268,000 | 8,218,000 |
| Equity capital | 9,145,000 | 9,202,000 | 9,266,000 | 9,496,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,084,000 | 2,161,000 | 3,205,000 | 4,328,000 |
| Interest expense | 432,000 | 855,000 | 1,268,000 | 1,679,000 |
| Net interest income | 652,000 | 1,306,000 | 1,937,000 | 2,649,000 |
| Noninterest income | 154,000 | 331,000 | 518,000 | 684,000 |
| Noninterest expense | 392,000 | 802,000 | 1,232,000 | 1,690,000 |
| Provision for loan losses | 37,000 | 74,000 | 111,000 | 148,000 |
| Pretax income | 377,000 | 768,000 | 1,120,000 | 1,470,000 |
| Income tax | 81,000 | 257,000 | 405,000 | 524,000 |
| Net income | 296,000 | 511,000 | 715,000 | 946,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,878,000 | 8,940,000 | 9,170,000 | 9,402,000 |
| Total capital | 9,444,000 | 9,519,000 | 9,763,000 | 10,015,000 |
| Risk-weighted assets | 45,197,000 | 46,284,000 | 47,328,000 | 48,880,000 |
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