Call reports 2006
EXCHANGE BANK OF FAIRFAX — 2006
What EXCHANGE BANK OF FAIRFAX 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 | 15,196,000 | 14,814,000 | 14,769,000 | 14,873,000 |
| Total loans | 3,941,000 | 4,411,000 | 4,238,000 | 4,243,000 |
| Allowance for loan losses | 378,000 | 378,000 | 378,000 | 378,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 9,206,000 | 9,208,000 | 8,707,000 | 8,208,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,140,000 | 11,714,000 | 11,704,000 | 11,962,000 |
| Interest-bearing deposits | 9,081,000 | 8,925,000 | 9,022,000 | 9,007,000 |
| Noninterest-bearing deposits | 3,059,000 | 2,789,000 | 2,682,000 | 2,955,000 |
| Equity capital | 2,950,000 | 2,901,000 | 2,901,000 | 2,850,000 |
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 | 172,000 | 352,000 | 532,000 | 723,000 |
| Interest expense | 38,000 | 78,000 | 127,000 | 180,000 |
| Net interest income | 134,000 | 274,000 | 405,000 | 543,000 |
| Noninterest income | 7,000 | 15,000 | 24,000 | 33,000 |
| Noninterest expense | 105,000 | 208,000 | 314,000 | 429,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 36,000 | 81,000 | 115,000 | 147,000 |
| Income tax | 9,000 | 21,000 | 30,000 | 38,000 |
| Net income | 27,000 | 60,000 | 85,000 | 109,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,950,000 | 2,901,000 | 2,901,000 | 2,850,000 |
| Total capital | 3,022,000 | 2,977,000 | 2,981,000 | 2,934,000 |
| Risk-weighted assets | 5,475,000 | 5,773,000 | 6,117,000 | 6,415,000 |
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