Call reports 2009
FAIRFAX STATE SAVINGS BANK — 2009
What FAIRFAX STATE SAVINGS BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 123,222,000 | 127,260,000 | 131,481,000 | 137,449,000 |
| Total loans | 59,271,000 | 59,158,000 | 59,442,000 | 60,378,000 |
| Allowance for loan losses | 679,000 | 824,000 | 1,982,000 | 1,765,000 |
| Securities available for sale | 48,682,000 | 50,768,000 | 53,081,000 | 59,379,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 107,963,000 | 110,634,000 | 114,450,000 | 120,200,000 |
| Interest-bearing deposits | 97,384,000 | 100,502,000 | 103,633,000 | 108,586,000 |
| Noninterest-bearing deposits | 10,579,000 | 10,132,000 | 10,817,000 | 11,614,000 |
| Equity capital | 14,791,000 | 16,110,000 | 16,624,000 | 16,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,599,000 | 3,203,000 | 4,770,000 | 6,321,000 |
| Interest expense | 671,000 | 1,343,000 | 1,972,000 | 2,600,000 |
| Net interest income | 928,000 | 1,860,000 | 2,798,000 | 3,721,000 |
| Noninterest income | 93,000 | 189,000 | 288,000 | 387,000 |
| Noninterest expense | 567,000 | 1,168,000 | 1,720,000 | 2,429,000 |
| Provision for loan losses | 300,000 | 460,000 | 1,710,000 | 1,755,000 |
| Pretax income | 154,000 | 421,000 | -344,000 | 117,000 |
| Income tax | 8,000 | 20,000 | 34,000 | 7,000 |
| Net income | 146,000 | 401,000 | -378,000 | 110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,537,000 | 16,793,000 | 16,012,000 | 16,402,000 |
| Total capital | 17,216,000 | 17,617,000 | 17,041,000 | 17,494,000 |
| Risk-weighted assets | 80,981,000 | 82,091,000 | 81,349,000 | 86,844,000 |