Call reports 2006
BANK OF FAIRFIELD — 2006
What BANK OF FAIRFIELD 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 | 120,607,000 | 125,089,000 | 128,266,000 | 128,614,000 |
| Total loans | 103,235,000 | 108,037,000 | 111,399,000 | 111,467,000 |
| Allowance for loan losses | 1,894,000 | 2,003,000 | 1,980,000 | 1,967,000 |
| Securities available for sale | 10,960,000 | 10,713,000 | 9,533,000 | 10,012,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 106,388,000 | 105,093,000 | 108,965,000 | 108,210,000 |
| Interest-bearing deposits | 95,836,000 | 93,673,000 | 96,893,000 | 95,506,000 |
| Noninterest-bearing deposits | 10,553,000 | 11,419,000 | 12,072,000 | 12,704,000 |
| Equity capital | 11,339,000 | 11,611,000 | 12,249,000 | 12,629,000 |
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 | 2,225,000 | 4,635,000 | 7,142,000 | 9,930,000 |
| Interest expense | 722,000 | 1,555,000 | 2,528,000 | 3,540,000 |
| Net interest income | 1,503,000 | 3,080,000 | 4,614,000 | 6,390,000 |
| Noninterest income | 235,000 | 394,000 | 578,000 | 761,000 |
| Noninterest expense | 1,201,000 | 2,346,000 | 3,478,000 | 4,827,000 |
| Provision for loan losses | 160,000 | 240,000 | 280,000 | 360,000 |
| Pretax income | 377,000 | 888,000 | 1,434,000 | 1,964,000 |
| Income tax | 0 | 0 | 8,000 | 9,000 |
| Net income | 377,000 | 888,000 | 1,426,000 | 1,955,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,240,000 | 11,582,000 | 11,944,000 | 12,297,000 |
| Total capital | 12,514,000 | 12,915,000 | 13,327,000 | 13,678,000 |
| Risk-weighted assets | 101,289,000 | 106,016,000 | 110,069,000 | 109,872,000 |