Call reports 2004
BANK OF FAIRFIELD — 2004
What BANK OF FAIRFIELD reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 103,992,000 | 103,345,000 | 104,149,000 | 101,854,000 |
| Total loans | 84,722,000 | 88,430,000 | 88,903,000 | 88,804,000 |
| Allowance for loan losses | 1,133,000 | 1,193,000 | 1,436,000 | 1,428,000 |
| Securities available for sale | 5,673,000 | 5,554,000 | 6,589,000 | 6,049,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 93,507,000 | 92,604,000 | 93,079,000 | 90,813,000 |
| Interest-bearing deposits | 83,821,000 | 82,194,000 | 82,540,000 | 79,669,000 |
| Noninterest-bearing deposits | 9,686,000 | 10,410,000 | 10,539,000 | 11,144,000 |
| Equity capital | 9,977,000 | 10,213,000 | 10,546,000 | 10,672,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,736,000 | 3,555,000 | 5,414,000 | 7,333,000 |
| Interest expense | 418,000 | 821,000 | 1,229,000 | 1,628,000 |
| Net interest income | 1,318,000 | 2,734,000 | 4,185,000 | 5,705,000 |
| Noninterest income | 203,000 | 363,000 | 717,000 | 1,003,000 |
| Noninterest expense | 940,000 | 1,883,000 | 2,965,000 | 4,015,000 |
| Provision for loan losses | 60,000 | 160,000 | 470,000 | 1,015,000 |
| Pretax income | 521,000 | 1,054,000 | 1,467,000 | 1,678,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 521,000 | 1,054,000 | 1,467,000 | 1,678,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,595,000 | 9,955,000 | 10,211,000 | 10,333,000 |
| Total capital | 10,557,000 | 11,018,000 | 11,297,000 | 11,405,000 |
| Risk-weighted assets | 76,791,000 | 84,924,000 | 86,405,000 | 85,368,000 |