Call reports 2007
FIRST NATIONAL BANK IN FAIRFIELD — 2007
What FIRST NATIONAL BANK IN FAIRFIELD 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 | 110,245,000 | 108,565,000 | 106,516,000 | 110,264,000 |
| Total loans | 74,720,000 | 74,975,000 | 73,760,000 | 75,899,000 |
| Allowance for loan losses | 822,000 | 723,000 | 765,000 | 784,000 |
| Securities available for sale | 14,714,000 | 15,153,000 | 15,043,000 | 13,941,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,499,000 | 89,889,000 | 88,777,000 | 93,733,000 |
| Interest-bearing deposits | 66,479,000 | 64,096,000 | 64,367,000 | 69,925,000 |
| Noninterest-bearing deposits | 25,020,000 | 25,793,000 | 24,410,000 | 23,808,000 |
| Equity capital | 9,230,000 | 9,051,000 | 9,168,000 | 9,065,000 |
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 | 1,552,000 | 3,178,000 | 4,741,000 | 6,320,000 |
| Interest expense | 584,000 | 1,198,000 | 1,799,000 | 2,400,000 |
| Net interest income | 968,000 | 1,980,000 | 2,942,000 | 3,920,000 |
| Noninterest income | 225,000 | 471,000 | 694,000 | 902,000 |
| Noninterest expense | 757,000 | 1,572,000 | 2,396,000 | 3,214,000 |
| Provision for loan losses | 5,000 | 5,000 | 55,000 | 70,000 |
| Pretax income | 431,000 | 874,000 | 1,185,000 | 1,538,000 |
| Income tax | 138,000 | 279,000 | 378,000 | 492,000 |
| Net income | 293,000 | 595,000 | 807,000 | 1,046,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,180,000 | 9,081,000 | 9,093,000 | 8,932,000 |
| Total capital | 10,002,000 | 9,804,000 | 9,858,000 | 9,716,000 |
| Risk-weighted assets | 79,048,000 | 79,046,000 | 77,769,000 | 81,250,000 |