Call reports 2008
FIRST NATIONAL BANK OF FAIRFIELD, THE — 2008
What FIRST NATIONAL BANK OF FAIRFIELD, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 92,919,000 | 93,014,000 | 92,250,000 | 89,735,000 |
| Total loans | 43,848,000 | 44,958,000 | 47,343,000 | 48,004,000 |
| Allowance for loan losses | 912,000 | 956,000 | 1,015,000 | 1,061,000 |
| Securities available for sale | 16,405,000 | 16,526,000 | 16,613,000 | 17,761,000 |
| Securities held to maturity | 4,633,000 | 5,447,000 | 5,307,000 | 5,104,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 76,914,000 | 77,365,000 | 76,140,000 | 73,337,000 |
| Interest-bearing deposits | 64,993,000 | 66,858,000 | 65,456,000 | 61,996,000 |
| Noninterest-bearing deposits | 11,921,000 | 10,507,000 | 10,684,000 | 11,341,000 |
| Equity capital | 14,018,000 | 13,833,000 | 14,242,000 | 14,843,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,453,000 | 2,753,000 | 4,078,000 | 5,356,000 |
| Interest expense | 650,000 | 1,212,000 | 1,751,000 | 2,220,000 |
| Net interest income | 803,000 | 1,541,000 | 2,327,000 | 3,136,000 |
| Noninterest income | 178,000 | 373,000 | 517,000 | 676,000 |
| Noninterest expense | 493,000 | 991,000 | 1,504,000 | 1,972,000 |
| Provision for loan losses | 46,000 | 91,000 | 137,000 | 279,000 |
| Pretax income | 442,000 | 832,000 | 1,203,000 | 1,563,000 |
| Income tax | 92,000 | 294,000 | 420,000 | 424,000 |
| Net income | 350,000 | 538,000 | 783,000 | 1,139,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,868,000 | 13,957,000 | 14,201,000 | 14,557,000 |
| Total capital | 14,619,000 | 14,670,000 | 14,939,000 | 15,288,000 |
| Risk-weighted assets | 58,370,000 | 57,147,000 | 58,743,000 | 58,161,000 |