Call reports 2005
BANK OF FAIRFIELD — 2005
What BANK OF FAIRFIELD reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 106,671,000 | 114,536,000 | 115,425,000 | 115,183,000 |
| Total loans | 90,708,000 | 100,106,000 | 99,379,000 | 98,998,000 |
| Allowance for loan losses | 1,601,000 | 1,536,000 | 1,439,000 | 1,708,000 |
| Securities available for sale | 8,496,000 | 8,753,000 | 8,633,000 | 8,875,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,948,000 | 95,225,000 | 98,021,000 | 101,999,000 |
| Interest-bearing deposits | 84,926,000 | 85,721,000 | 86,434,000 | 89,477,000 |
| Noninterest-bearing deposits | 10,022,000 | 9,504,000 | 11,587,000 | 12,521,000 |
| Equity capital | 11,275,000 | 11,620,000 | 12,092,000 | 11,777,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,888,000 | 3,941,000 | 6,172,000 | 8,359,000 |
| Interest expense | 425,000 | 937,000 | 1,598,000 | 2,266,000 |
| Net interest income | 1,463,000 | 3,004,000 | 4,574,000 | 6,093,000 |
| Noninterest income | 245,000 | 403,000 | 588,000 | 768,000 |
| Noninterest expense | 1,054,000 | 2,068,000 | 3,219,000 | 4,518,000 |
| Provision for loan losses | 150,000 | 270,000 | 270,000 | 562,000 |
| Pretax income | 492,000 | 1,049,000 | 1,653,000 | 1,761,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 492,000 | 1,049,000 | 1,653,000 | 1,761,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,970,000 | 11,363,000 | 11,806,000 | 11,755,000 |
| Total capital | 12,071,000 | 12,566,000 | 13,020,000 | 12,975,000 |
| Risk-weighted assets | 87,571,000 | 95,944,000 | 96,842,000 | 97,136,000 |