Call reports 2005
FIRST NATIONAL BANK OF FAIRFIELD, THE — 2005
What FIRST NATIONAL BANK OF FAIRFIELD, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 97,961,000 | 93,129,000 | 89,860,000 | 90,567,000 |
| Total loans | 44,863,000 | 46,047,000 | 47,099,000 | 49,385,000 |
| Allowance for loan losses | 824,000 | 819,000 | 401,000 | 608,000 |
| Securities available for sale | 17,387,000 | 17,331,000 | 17,087,000 | 16,501,000 |
| Securities held to maturity | 3,460,000 | 3,458,000 | 3,319,000 | 3,318,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,501,000 | 79,314,000 | 75,413,000 | 76,514,000 |
| Interest-bearing deposits | 75,245,000 | 69,518,000 | 63,720,000 | 65,636,000 |
| Noninterest-bearing deposits | 9,256,000 | 9,796,000 | 11,693,000 | 10,878,000 |
| Equity capital | 10,471,000 | 10,865,000 | 11,041,000 | 11,070,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,180,000 | 2,438,000 | 3,711,000 | 5,027,000 |
| Interest expense | 394,000 | 861,000 | 1,335,000 | 1,855,000 |
| Net interest income | 786,000 | 1,577,000 | 2,376,000 | 3,172,000 |
| Noninterest income | 154,000 | 328,000 | 468,000 | 631,000 |
| Noninterest expense | 414,000 | 831,000 | 1,258,000 | 1,639,000 |
| Provision for loan losses | 18,000 | 37,000 | 58,000 | 478,000 |
| Pretax income | 508,000 | 1,034,000 | 1,525,000 | 1,683,000 |
| Income tax | 99,000 | 341,000 | 533,000 | 587,000 |
| Net income | 409,000 | 693,000 | 992,000 | 1,096,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,690,000 | 10,906,000 | 11,199,000 | 11,301,000 |
| Total capital | 11,423,000 | 11,629,000 | 11,600,000 | 11,909,000 |
| Risk-weighted assets | 58,548,000 | 57,726,000 | 57,323,000 | 59,265,000 |
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