Call reports 2007
FAIRFAX STATE SAVINGS BANK — 2007
What FAIRFAX STATE SAVINGS BANK 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 | 101,212,000 | 103,214,000 | 101,412,000 | 106,783,000 |
| Total loans | 52,513,000 | 53,741,000 | 55,145,000 | 55,845,000 |
| Allowance for loan losses | 490,000 | 518,000 | 540,000 | 532,000 |
| Securities available for sale | 40,085,000 | 41,076,000 | 39,600,000 | 40,458,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,997,000 | 87,864,000 | 85,568,000 | 90,632,000 |
| Interest-bearing deposits | 75,696,000 | 78,020,000 | 75,792,000 | 79,421,000 |
| Noninterest-bearing deposits | 10,301,000 | 9,844,000 | 9,776,000 | 11,211,000 |
| Equity capital | 14,838,000 | 14,839,000 | 15,314,000 | 15,610,000 |
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 | 1,399,000 | 2,877,000 | 4,371,000 | 5,939,000 |
| Interest expense | 681,000 | 1,402,000 | 2,152,000 | 2,911,000 |
| Net interest income | 718,000 | 1,475,000 | 2,219,000 | 3,028,000 |
| Noninterest income | 70,000 | 140,000 | 177,000 | 283,000 |
| Noninterest expense | 527,000 | 1,064,000 | 1,614,000 | 2,137,000 |
| Provision for loan losses | 25,000 | 50,000 | 100,000 | 125,000 |
| Pretax income | 236,000 | 501,000 | 682,000 | 1,049,000 |
| Income tax | 15,000 | 29,000 | 38,000 | 59,000 |
| Net income | 221,000 | 472,000 | 644,000 | 990,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,173,000 | 15,424,000 | 15,596,000 | 15,640,000 |
| Total capital | 15,663,000 | 15,942,000 | 16,136,000 | 16,172,000 |
| Risk-weighted assets | 63,849,000 | 68,475,000 | 69,016,000 | 69,581,000 |