Call reports 2005
FAIRFAX STATE SAVINGS BANK — 2005
What FAIRFAX STATE SAVINGS BANK 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 | 95,900,000 | 97,676,000 | 96,285,000 | 96,821,000 |
| Total loans | 47,052,000 | 47,588,000 | 47,928,000 | 50,456,000 |
| Allowance for loan losses | 464,000 | 487,000 | 503,000 | 516,000 |
| Securities available for sale | 45,693,000 | 45,710,000 | 43,325,000 | 40,917,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 81,760,000 | 82,862,000 | 81,486,000 | 82,438,000 |
| Interest-bearing deposits | 72,815,000 | 74,384,000 | 71,633,000 | 72,639,000 |
| Noninterest-bearing deposits | 8,945,000 | 8,478,000 | 9,853,000 | 9,799,000 |
| Equity capital | 13,776,000 | 14,474,000 | 14,401,000 | 14,101,000 |
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 | 1,190,000 | 2,416,000 | 3,633,000 | 4,875,000 |
| Interest expense | 413,000 | 855,000 | 1,339,000 | 1,852,000 |
| Net interest income | 777,000 | 1,561,000 | 2,294,000 | 3,023,000 |
| Noninterest income | 57,000 | 141,000 | 200,000 | 261,000 |
| Noninterest expense | 527,000 | 1,027,000 | 1,545,000 | 2,088,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 100,000 |
| Pretax income | 311,000 | 658,000 | 915,000 | 1,139,000 |
| Income tax | 16,000 | 31,000 | 44,000 | 55,000 |
| Net income | 295,000 | 627,000 | 871,000 | 1,084,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,197,000 | 14,513,000 | 14,776,000 | 14,618,000 |
| Total capital | 14,661,000 | 15,000,000 | 15,279,000 | 15,134,000 |
| Risk-weighted assets | 59,422,000 | 60,368,000 | 60,188,000 | 58,372,000 |