Call reports 2015
FIRST NATIONAL BANK IN FAIRFIELD — 2015
What FIRST NATIONAL BANK IN FAIRFIELD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 142,803,000 | 139,601,000 | 146,131,000 | 149,466,000 |
| Total loans | 116,635,000 | 118,963,000 | 122,411,000 | 126,711,000 |
| Allowance for loan losses | 1,262,000 | 1,299,000 | 1,336,000 | 1,371,000 |
| Securities available for sale | 11,163,000 | 10,471,000 | 8,888,000 | 9,729,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 125,727,000 | 120,601,000 | 128,244,000 | 131,315,000 |
| Interest-bearing deposits | 98,137,000 | 94,904,000 | 100,300,000 | 101,696,000 |
| Noninterest-bearing deposits | 27,590,000 | 25,697,000 | 27,944,000 | 29,619,000 |
| Equity capital | 11,569,000 | 11,672,000 | 11,996,000 | 12,247,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,306,000 | 2,684,000 | 4,088,000 | 5,443,000 |
| Interest expense | 118,000 | 243,000 | 373,000 | 513,000 |
| Net interest income | 1,188,000 | 2,441,000 | 3,715,000 | 4,930,000 |
| Noninterest income | 158,000 | 313,000 | 482,000 | 640,000 |
| Noninterest expense | 922,000 | 1,828,000 | 2,754,000 | 3,676,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 394,000 | 866,000 | 1,355,000 | 1,776,000 |
| Income tax | 134,000 | 294,000 | 460,000 | 603,000 |
| Net income | 260,000 | 572,000 | 895,000 | 1,173,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,494,000 | 11,606,000 | 11,929,000 | 12,207,000 |
| Total capital | 12,756,000 | 12,905,000 | 13,265,000 | 13,578,000 |
| Risk-weighted assets | 123,035,000 | 119,571,000 | 124,145,000 | 128,710,000 |