Call reports 2004
FAIRBANK STATE BANK — 2004
What FAIRBANK STATE 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 | 25,147,000 | 24,832,000 | 24,023,000 | 25,309,000 |
| Total loans | 16,885,000 | 16,569,000 | 16,867,000 | 16,295,000 |
| Allowance for loan losses | 166,000 | 211,000 | 226,000 | 250,000 |
| Securities available for sale | 5,841,000 | 5,307,000 | 4,394,000 | 5,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 21,131,000 | 21,282,000 | 20,413,000 | 21,856,000 |
| Interest-bearing deposits | 18,734,000 | 19,100,000 | 17,921,000 | 19,237,000 |
| Noninterest-bearing deposits | 2,397,000 | 2,182,000 | 2,492,000 | 2,619,000 |
| Equity capital | 3,316,000 | 3,199,000 | 3,256,000 | 3,227,000 |
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 | 325,000 | 648,000 | 957,000 | 1,247,000 |
| Interest expense | 80,000 | 155,000 | 230,000 | 308,000 |
| Net interest income | 245,000 | 493,000 | 727,000 | 939,000 |
| Noninterest income | 45,000 | 87,000 | 120,000 | 149,000 |
| Noninterest expense | 189,000 | 374,000 | 545,000 | 695,000 |
| Provision for loan losses | 9,000 | 54,000 | 69,000 | 175,000 |
| Pretax income | 92,000 | 152,000 | 235,000 | 220,000 |
| Income tax | 30,000 | 48,000 | 75,000 | 71,000 |
| Net income | 62,000 | 104,000 | 160,000 | 149,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 1,989,000 | 1,917,000 | 1,979,000 | 1,974,000 |
| Total capital | 2,155,000 | 2,128,000 | 2,205,000 | 2,183,000 |
| Risk-weighted assets | 18,140,000 | 18,386,000 | 17,557,000 | 16,993,000 |