Call reports 2007
FAIRBANK STATE BANK — 2007
What FAIRBANK STATE 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 | 28,599,000 | 28,477,000 | 28,646,000 | 30,115,000 |
| Total loans | 19,005,000 | 19,634,000 | 19,338,000 | 20,221,000 |
| Allowance for loan losses | 183,000 | 186,000 | 183,000 | 191,000 |
| Securities available for sale | 5,814,000 | 5,768,000 | 6,647,000 | 6,443,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 24,656,000 | 24,533,000 | 24,396,000 | 25,929,000 |
| Interest-bearing deposits | 22,066,000 | 21,803,000 | 21,574,000 | 22,685,000 |
| Noninterest-bearing deposits | 2,590,000 | 2,730,000 | 2,822,000 | 3,244,000 |
| Equity capital | 3,690,000 | 3,706,000 | 3,797,000 | 3,435,000 |
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 | 446,000 | 889,000 | 1,328,000 | 1,781,000 |
| Interest expense | 201,000 | 405,000 | 609,000 | 822,000 |
| Net interest income | 245,000 | 484,000 | 719,000 | 959,000 |
| Noninterest income | 34,000 | 68,000 | 107,000 | 142,000 |
| Noninterest expense | 186,000 | 350,000 | 518,000 | 648,000 |
| Provision for loan losses | 6,000 | 12,000 | 18,000 | 24,000 |
| Pretax income | 52,000 | 155,000 | 254,000 | 393,000 |
| Income tax | 15,000 | 49,000 | 80,000 | 137,000 |
| Net income | 37,000 | 106,000 | 174,000 | 256,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 2,482,000 | 2,542,000 | 2,596,000 | 2,210,000 |
| Total capital | 2,665,000 | 2,728,000 | 2,779,000 | 2,401,000 |
| Risk-weighted assets | 20,953,000 | 21,865,000 | 22,246,000 | 22,575,000 |