Call reports 2008
FIRST NATIONAL BANK IN FAIRFIELD — 2008
What FIRST NATIONAL BANK IN FAIRFIELD reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 105,677,000 | 109,423,000 | 107,816,000 | 106,113,000 |
| Total loans | 74,702,000 | 77,784,000 | 80,519,000 | 80,776,000 |
| Allowance for loan losses | 816,000 | 710,000 | 757,000 | 1,021,000 |
| Securities available for sale | 13,448,000 | 13,773,000 | 10,363,000 | 9,557,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 84,625,000 | 87,346,000 | 86,496,000 | 86,639,000 |
| Interest-bearing deposits | 61,432,000 | 62,337,000 | 63,904,000 | 63,540,000 |
| Noninterest-bearing deposits | 23,193,000 | 25,009,000 | 22,592,000 | 23,099,000 |
| Equity capital | 9,392,000 | 9,067,000 | 9,112,000 | 9,095,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,430,000 | 2,814,000 | 4,223,000 | 5,589,000 |
| Interest expense | 496,000 | 897,000 | 1,296,000 | 1,666,000 |
| Net interest income | 934,000 | 1,917,000 | 2,927,000 | 3,923,000 |
| Noninterest income | 212,000 | 417,000 | 628,000 | 845,000 |
| Noninterest expense | 807,000 | 1,574,000 | 2,373,000 | 3,130,000 |
| Provision for loan losses | 30,000 | 105,000 | 155,000 | 470,000 |
| Pretax income | 309,000 | 655,000 | 1,020,000 | 1,162,000 |
| Income tax | 100,000 | 213,000 | 332,000 | 350,000 |
| Net income | 209,000 | 442,000 | 688,000 | 812,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,141,000 | 8,974,000 | 9,020,000 | 8,944,000 |
| Total capital | 9,957,000 | 9,684,000 | 9,777,000 | 9,965,000 |
| Risk-weighted assets | 79,468,000 | 83,500,000 | 85,344,000 | 85,505,000 |