Call reports 2006
FIRST NATIONAL BANK IN FAIRFIELD — 2006
What FIRST NATIONAL BANK IN FAIRFIELD 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 | 113,718,000 | 107,362,000 | 112,266,000 | 111,564,000 |
| Total loans | 79,954,000 | 78,905,000 | 76,080,000 | 71,485,000 |
| Allowance for loan losses | 810,000 | 826,000 | 834,000 | 839,000 |
| Securities available for sale | 11,878,000 | 12,865,000 | 13,038,000 | 13,038,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,344,000 | 87,079,000 | 91,022,000 | 93,148,000 |
| Interest-bearing deposits | 68,514,000 | 63,835,000 | 69,511,000 | 66,963,000 |
| Noninterest-bearing deposits | 23,830,000 | 23,244,000 | 21,511,000 | 26,185,000 |
| Equity capital | 8,921,000 | 8,766,000 | 8,788,000 | 8,916,000 |
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 | 1,435,000 | 2,946,000 | 4,518,000 | 6,126,000 |
| Interest expense | 503,000 | 1,056,000 | 1,660,000 | 2,292,000 |
| Net interest income | 932,000 | 1,890,000 | 2,858,000 | 3,834,000 |
| Noninterest income | 180,000 | 375,000 | 568,000 | 762,000 |
| Noninterest expense | 747,000 | 1,504,000 | 2,268,000 | 3,008,000 |
| Provision for loan losses | 15,000 | 30,000 | 45,000 | 60,000 |
| Pretax income | 350,000 | 731,000 | 1,113,000 | 1,528,000 |
| Income tax | 112,000 | 234,000 | 356,000 | 459,000 |
| Net income | 238,000 | 497,000 | 757,000 | 1,069,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,955,000 | 8,815,000 | 8,775,000 | 8,886,000 |
| Total capital | 9,765,000 | 9,641,000 | 9,609,000 | 9,725,000 |
| Risk-weighted assets | 82,083,000 | 80,560,000 | 79,868,000 | 76,207,000 |