Call reports 2003
BANK OF FAIRFIELD — 2003
What BANK OF FAIRFIELD reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 105,416,000 | 105,748,000 | 104,669,000 | 105,663,000 |
| Total loans | 88,363,000 | 92,047,000 | 89,458,000 | 84,725,000 |
| Allowance for loan losses | 1,390,000 | 1,390,000 | 1,308,000 | 1,170,000 |
| Securities available for sale | 5,598,000 | 2,717,000 | 3,766,000 | 4,157,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,258,000 | 96,835,000 | 95,729,000 | 95,659,000 |
| Interest-bearing deposits | 88,265,000 | 88,781,000 | 85,865,000 | 85,363,000 |
| Noninterest-bearing deposits | 8,993,000 | 8,054,000 | 9,864,000 | 10,296,000 |
| Equity capital | 7,549,000 | 8,162,000 | 8,269,000 | 9,485,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,845,000 | 3,780,000 | 5,691,000 | 7,503,000 |
| Interest expense | 598,000 | 1,172,000 | 1,675,000 | 2,129,000 |
| Net interest income | 1,247,000 | 2,608,000 | 4,016,000 | 5,374,000 |
| Noninterest income | 208,000 | 426,000 | 622,000 | 895,000 |
| Noninterest expense | 901,000 | 1,816,000 | 2,701,000 | 3,590,000 |
| Provision for loan losses | 495,000 | 517,000 | 962,000 | 1,122,000 |
| Pretax income | 59,000 | 801,000 | 1,095,000 | 1,677,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 59,000 | 801,000 | 1,095,000 | 1,677,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,124,000 | 7,726,000 | 7,870,000 | 9,130,000 |
| Total capital | 8,188,000 | 8,771,000 | 8,892,000 | 10,079,000 |
| Risk-weighted assets | 84,763,000 | 83,360,000 | 81,481,000 | 75,716,000 |