Call reports 2009
EXCHANGE BANK OF FAIRFAX — 2009
What EXCHANGE BANK OF FAIRFAX reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 15,038,000 | 15,481,000 | 14,286,000 | 14,729,000 |
| Total loans | 3,627,000 | 3,973,000 | 3,689,000 | 3,520,000 |
| Allowance for loan losses | 205,000 | 205,000 | 80,000 | 80,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 4,070,000 | 3,567,000 | 3,216,000 | 1,614,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 12,300,000 | 12,692,000 | 11,688,000 | 12,278,000 |
| Interest-bearing deposits | 8,122,000 | 8,307,000 | 7,991,000 | 8,211,000 |
| Noninterest-bearing deposits | 4,178,000 | 4,385,000 | 3,697,000 | 4,067,000 |
| Equity capital | 2,692,000 | 2,726,000 | 2,491,000 | 2,396,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 147,000 | 290,000 | 430,000 | 544,000 |
| Interest expense | 18,000 | 35,000 | 54,000 | 70,000 |
| Net interest income | 129,000 | 255,000 | 376,000 | 474,000 |
| Noninterest income | 7,000 | 15,000 | 28,000 | 35,000 |
| Noninterest expense | 88,000 | 176,000 | 260,000 | 314,000 |
| Provision for loan losses | 0 | 0 | 285,000 | 285,000 |
| Pretax income | 48,000 | 94,000 | -141,000 | -90,000 |
| Income tax | 12,000 | 24,000 | 24,000 | -30,000 |
| Net income | 36,000 | 70,000 | -165,000 | -60,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,692,000 | 2,726,000 | 2,491,000 | 2,396,000 |
| Total capital | 2,768,000 | 2,804,000 | 2,566,000 | 2,468,000 |
| Risk-weighted assets | 5,923,000 | 6,101,000 | 6,006,000 | 5,837,000 |
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