Call reports 2004
FIRST NATIONAL BANK OF FAIRFIELD, THE — 2004
What FIRST NATIONAL BANK OF FAIRFIELD, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 78,183,000 | 82,212,000 | 104,058,000 | 85,164,000 |
| Total loans | 39,381,000 | 42,153,000 | 44,237,000 | 45,524,000 |
| Allowance for loan losses | 784,000 | 771,000 | 785,000 | 806,000 |
| Securities available for sale | 21,564,000 | 18,181,000 | 18,355,000 | 18,206,000 |
| Securities held to maturity | 3,548,000 | 3,550,000 | 3,361,000 | 3,359,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,849,000 | 69,278,000 | 90,728,000 | 71,933,000 |
| Interest-bearing deposits | 56,610,000 | 56,487,000 | 81,271,000 | 58,820,000 |
| Noninterest-bearing deposits | 8,239,000 | 12,791,000 | 9,457,000 | 13,113,000 |
| Equity capital | 9,867,000 | 9,689,000 | 10,153,000 | 10,260,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,184,000 | 3,375,000 | 4,652,000 |
| Interest expense | 385,000 | 767,000 | 1,199,000 | 1,659,000 |
| Net interest income | 717,000 | 1,417,000 | 2,176,000 | 2,993,000 |
| Noninterest income | 166,000 | 351,000 | 510,000 | 658,000 |
| Noninterest expense | 424,000 | 851,000 | 1,292,000 | 1,720,000 |
| Provision for loan losses | 23,000 | 110,000 | 156,000 | 338,000 |
| Pretax income | 436,000 | 847,000 | 1,278,000 | 1,601,000 |
| Income tax | 128,000 | 305,000 | 452,000 | 604,000 |
| Net income | 308,000 | 542,000 | 826,000 | 997,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,678,000 | 9,826,000 | 10,120,000 | 10,288,000 |
| Total capital | 10,295,000 | 10,477,000 | 10,846,000 | 10,984,000 |
| Risk-weighted assets | 49,186,000 | 51,970,000 | 58,023,000 | 55,595,000 |