Call reports 2006
FAIRBANK STATE BANK — 2006
What FAIRBANK STATE BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 29,415,000 | 28,753,000 | 29,246,000 | 29,026,000 |
| Total loans | 20,042,000 | 19,950,000 | 20,581,000 | 19,133,000 |
| Allowance for loan losses | 264,000 | 270,000 | 296,000 | 174,000 |
| Securities available for sale | 6,531,000 | 6,364,000 | 6,336,000 | 6,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,942,000 | 24,879,000 | 24,280,000 | 25,201,000 |
| Interest-bearing deposits | 20,969,000 | 21,054,000 | 20,637,000 | 22,254,000 |
| Noninterest-bearing deposits | 3,973,000 | 3,825,000 | 3,643,000 | 2,947,000 |
| Equity capital | 3,441,000 | 3,475,000 | 3,549,000 | 3,620,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 381,000 | 781,000 | 1,193,000 | 1,610,000 |
| Interest expense | 139,000 | 309,000 | 487,000 | 690,000 |
| Net interest income | 242,000 | 472,000 | 706,000 | 920,000 |
| Noninterest income | 52,000 | 93,000 | 120,000 | 149,000 |
| Noninterest expense | 193,000 | 361,000 | 537,000 | 671,000 |
| Provision for loan losses | 9,000 | 15,000 | 67,000 | 101,000 |
| Pretax income | 92,000 | 189,000 | 222,000 | 297,000 |
| Income tax | 29,000 | 59,000 | 65,000 | 81,000 |
| Net income | 63,000 | 130,000 | 157,000 | 216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,284,000 | 2,342,000 | 2,375,000 | 2,439,000 |
| Total capital | 2,548,000 | 2,612,000 | 2,654,000 | 2,613,000 |
| Risk-weighted assets | 21,224,000 | 21,446,000 | 22,302,000 | 21,454,000 |