Call reports 2007
BANK OF FAIRFIELD — 2007
What BANK OF FAIRFIELD reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 129,929,000 | 141,960,000 | 142,774,000 | 137,058,000 |
| Total loans | 113,352,000 | 124,680,000 | 124,218,000 | 118,841,000 |
| Allowance for loan losses | 1,950,000 | 2,099,000 | 2,088,000 | 2,497,000 |
| Securities available for sale | 10,415,000 | 10,389,000 | 10,994,000 | 9,909,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 112,034,000 | 117,174,000 | 124,031,000 | 117,040,000 |
| Interest-bearing deposits | 100,302,000 | 105,293,000 | 109,532,000 | 102,127,000 |
| Noninterest-bearing deposits | 11,732,000 | 11,880,000 | 14,499,000 | 14,913,000 |
| Equity capital | 12,144,000 | 12,466,000 | 12,877,000 | 12,877,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,521,000 | 5,269,000 | 8,233,000 | 11,057,000 |
| Interest expense | 1,047,000 | 2,224,000 | 3,519,000 | 4,668,000 |
| Net interest income | 1,474,000 | 3,045,000 | 4,714,000 | 6,389,000 |
| Noninterest income | 33,000 | 428,000 | 675,000 | 944,000 |
| Noninterest expense | 1,285,000 | 2,619,000 | 3,967,000 | 5,444,000 |
| Provision for loan losses | 60,000 | 160,000 | 360,000 | 885,000 |
| Pretax income | 162,000 | 694,000 | 1,062,000 | 1,030,000 |
| Income tax | 9,000 | 15,000 | 19,000 | 22,000 |
| Net income | 153,000 | 679,000 | 1,043,000 | 1,008,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,751,000 | 12,315,000 | 12,593,000 | 12,570,000 |
| Total capital | 13,147,000 | 13,858,000 | 14,124,000 | 14,059,000 |
| Risk-weighted assets | 111,042,000 | 122,750,000 | 121,828,000 | 117,977,000 |