Call reports 2013
BANK OF FAIRFIELD — 2013
What BANK OF FAIRFIELD reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 146,225,000 | 139,560,000 | 153,103,000 | 142,704,000 |
| Total loans | 94,512,000 | 109,201,000 | 108,008,000 | 107,616,000 |
| Allowance for loan losses | 2,148,000 | 2,169,000 | 2,356,000 | 2,002,000 |
| Securities available for sale | 3,668,000 | 3,983,000 | 4,232,000 | 5,110,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 131,231,000 | 119,122,000 | 135,608,000 | 127,070,000 |
| Interest-bearing deposits | 96,480,000 | 89,631,000 | 89,851,000 | 87,337,000 |
| Noninterest-bearing deposits | 34,751,000 | 29,491,000 | 45,756,000 | 39,734,000 |
| Equity capital | 13,910,000 | 14,018,000 | 14,171,000 | 14,521,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,556,000 | 3,122,000 | 4,891,000 | 6,561,000 |
| Interest expense | 155,000 | 309,000 | 459,000 | 599,000 |
| Net interest income | 1,401,000 | 2,813,000 | 4,432,000 | 5,962,000 |
| Noninterest income | 196,000 | 321,000 | 446,000 | 605,000 |
| Noninterest expense | 1,367,000 | 2,684,000 | 4,073,000 | 5,575,000 |
| Provision for loan losses | 0 | 0 | 0 | -350,000 |
| Pretax income | 230,000 | 450,000 | 805,000 | 1,342,000 |
| Income tax | 57,000 | 132,000 | 257,000 | 422,000 |
| Net income | 173,000 | 318,000 | 548,000 | 920,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,579,000 | 13,730,000 | 13,896,000 | 14,389,000 |
| Total capital | 14,886,000 | 15,126,000 | 15,320,000 | 15,799,000 |
| Risk-weighted assets | 103,642,000 | 110,808,000 | 112,943,000 | 112,149,000 |