Call reports 2004
FAIRFAX STATE SAVINGS BANK — 2004
What FAIRFAX STATE SAVINGS BANK 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 | 92,759,000 | 94,677,000 | 95,125,000 | 97,047,000 |
| Total loans | 43,457,000 | 42,642,000 | 44,341,000 | 45,550,000 |
| Allowance for loan losses | 452,000 | 451,000 | 453,000 | 440,000 |
| Securities available for sale | 41,976,000 | 44,717,000 | 46,814,000 | 45,522,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,296,000 | 80,914,000 | 80,732,000 | 82,687,000 |
| Interest-bearing deposits | 69,881,000 | 72,095,000 | 71,787,000 | 73,212,000 |
| Noninterest-bearing deposits | 8,415,000 | 8,819,000 | 8,945,000 | 9,475,000 |
| Equity capital | 14,056,000 | 13,351,000 | 14,048,000 | 14,104,000 |
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 | 1,177,000 | 2,333,000 | 3,514,000 | 4,717,000 |
| Interest expense | 377,000 | 760,000 | 1,148,000 | 1,555,000 |
| Net interest income | 800,000 | 1,573,000 | 2,366,000 | 3,162,000 |
| Noninterest income | 72,000 | 124,000 | 188,000 | 737,000 |
| Noninterest expense | 485,000 | 1,035,000 | 1,557,000 | 2,104,000 |
| Provision for loan losses | 25,000 | 50,000 | 50,000 | 75,000 |
| Pretax income | 363,000 | 614,000 | 953,000 | 1,732,000 |
| Income tax | 18,000 | 31,000 | 44,000 | 71,000 |
| Net income | 345,000 | 583,000 | 909,000 | 1,661,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,992,000 | 13,230,000 | 13,556,000 | 13,966,000 |
| Total capital | 13,445,000 | 13,681,000 | 14,009,000 | 14,406,000 |
| Risk-weighted assets | 58,446,000 | 62,090,000 | 58,020,000 | 59,964,000 |