Call reports 2006
FIRST NATIONAL BANK OF FAIRFIELD, THE — 2006
What FIRST NATIONAL BANK OF FAIRFIELD, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 82,833,000 | 86,113,000 | 92,417,000 | 89,850,000 |
| Total loans | 47,454,000 | 49,290,000 | 51,074,000 | 52,891,000 |
| Allowance for loan losses | 661,000 | 710,000 | 761,000 | 687,000 |
| Securities available for sale | 15,804,000 | 14,691,000 | 14,626,000 | 15,334,000 |
| Securities held to maturity | 3,314,000 | 3,453,000 | 3,276,000 | 3,173,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,687,000 | 71,944,000 | 77,661,000 | 74,959,000 |
| Interest-bearing deposits | 58,869,000 | 60,625,000 | 67,160,000 | 63,940,000 |
| Noninterest-bearing deposits | 9,818,000 | 11,319,000 | 10,501,000 | 11,019,000 |
| Equity capital | 11,368,000 | 11,477,000 | 12,029,000 | 12,304,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,340,000 | 2,715,000 | 4,156,000 | 5,722,000 |
| Interest expense | 544,000 | 1,067,000 | 1,635,000 | 2,314,000 |
| Net interest income | 796,000 | 1,648,000 | 2,521,000 | 3,408,000 |
| Noninterest income | 163,000 | 395,000 | 541,000 | 722,000 |
| Noninterest expense | 426,000 | 858,000 | 1,291,000 | 1,771,000 |
| Provision for loan losses | 53,000 | 103,000 | 155,000 | 289,000 |
| Pretax income | 480,000 | 976,000 | 1,510,000 | 1,943,000 |
| Income tax | 114,000 | 370,000 | 549,000 | 740,000 |
| Net income | 366,000 | 606,000 | 961,000 | 1,203,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,659,000 | 11,898,000 | 12,253,000 | 12,495,000 |
| Total capital | 12,320,000 | 12,608,000 | 13,014,000 | 13,182,000 |
| Risk-weighted assets | 57,350,000 | 58,151,000 | 61,984,000 | 61,554,000 |