Call reports 2004
FIRST NATIONAL BANK IN FAIRFIELD — 2004
What FIRST NATIONAL BANK IN FAIRFIELD 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 | 104,898,000 | 102,592,000 | 99,726,000 | 100,416,000 |
| Total loans | 71,776,000 | 75,740,000 | 76,620,000 | 77,647,000 |
| Allowance for loan losses | 696,000 | 753,000 | 850,000 | 878,000 |
| Securities available for sale | 12,423,000 | 12,517,000 | 12,073,000 | 12,070,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 83,735,000 | 80,952,000 | 78,167,000 | 78,242,000 |
| Interest-bearing deposits | 68,010,000 | 65,151,000 | 61,017,000 | 58,335,000 |
| Noninterest-bearing deposits | 15,725,000 | 15,801,000 | 17,150,000 | 19,907,000 |
| Equity capital | 8,718,000 | 8,777,000 | 8,472,000 | 8,545,000 |
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 | 1,258,000 | 2,518,000 | 3,798,000 | 5,092,000 |
| Interest expense | 386,000 | 760,000 | 1,110,000 | 1,480,000 |
| Net interest income | 872,000 | 1,758,000 | 2,688,000 | 3,612,000 |
| Noninterest income | 177,000 | 380,000 | 588,000 | 781,000 |
| Noninterest expense | 694,000 | 1,387,000 | 2,092,000 | 2,842,000 |
| Provision for loan losses | 40,000 | 100,000 | 190,000 | 220,000 |
| Pretax income | 315,000 | 651,000 | 994,000 | 1,331,000 |
| Income tax | 99,000 | 204,000 | 308,000 | 410,000 |
| Net income | 216,000 | 447,000 | 686,000 | 921,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,489,000 | 8,721,000 | 8,359,000 | 8,495,000 |
| Total capital | 9,185,000 | 9,474,000 | 9,209,000 | 9,373,000 |
| Risk-weighted assets | 73,595,000 | 76,781,000 | 77,058,000 | 77,727,000 |