Call reports 2005
FAIRBANK STATE BANK — 2005
What FAIRBANK STATE 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 | 26,469,000 | 26,729,000 | 26,211,000 | 28,340,000 |
| Total loans | 15,911,000 | 16,063,000 | 16,887,000 | 17,133,000 |
| Allowance for loan losses | 247,000 | 253,000 | 268,000 | 273,000 |
| Securities available for sale | 6,653,000 | 6,881,000 | 6,621,000 | 6,580,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 23,001,000 | 23,155,000 | 22,616,000 | 24,714,000 |
| Interest-bearing deposits | 20,296,000 | 20,255,000 | 19,157,000 | 20,256,000 |
| Noninterest-bearing deposits | 2,705,000 | 2,900,000 | 3,459,000 | 4,458,000 |
| Equity capital | 3,236,000 | 3,335,000 | 3,350,000 | 3,410,000 |
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 | 308,000 | 636,000 | 969,000 | 1,311,000 |
| Interest expense | 84,000 | 179,000 | 287,000 | 410,000 |
| Net interest income | 224,000 | 457,000 | 682,000 | 901,000 |
| Noninterest income | 41,000 | 59,000 | 96,000 | 137,000 |
| Noninterest expense | 186,000 | 352,000 | 522,000 | 678,000 |
| Provision for loan losses | 6,000 | 12,000 | 27,000 | 33,000 |
| Pretax income | 73,000 | 152,000 | 229,000 | 327,000 |
| Income tax | 23,000 | 48,000 | 72,000 | 93,000 |
| Net income | 50,000 | 104,000 | 157,000 | 234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,029,000 | 2,105,000 | 2,148,000 | 2,230,000 |
| Total capital | 2,262,000 | 2,342,000 | 2,378,000 | 2,471,000 |
| Risk-weighted assets | 18,630,000 | 18,157,000 | 18,379,000 | 19,238,000 |