Call reports 2012
FAIRPORT SAVINGS BANK — 2012
What FAIRPORT SAVINGS BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 213,523,000 | 213,191,000 | 213,735,000 | 212,874,000 |
| Total loans | 131,502,000 | 140,383,000 | 146,903,000 | 150,472,000 |
| Allowance for loan losses | 404,000 | 411,000 | 422,000 | 436,000 |
| Securities available for sale | 57,032,000 | 47,790,000 | 44,035,000 | 39,392,000 |
| Securities held to maturity | 7,169,000 | 7,113,000 | 7,050,000 | 7,059,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 173,168,000 | 170,812,000 | 165,707,000 | 163,667,000 |
| Interest-bearing deposits | 155,672,000 | 166,026,000 | 161,347,000 | 159,082,000 |
| Noninterest-bearing deposits | 17,496,000 | 4,786,000 | 4,360,000 | 4,585,000 |
| Equity capital | 17,024,000 | 17,025,000 | 17,133,000 | 17,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,949,000 | 3,843,000 | 5,729,000 | 7,624,000 |
| Interest expense | 655,000 | 1,214,000 | 1,748,000 | 2,260,000 |
| Net interest income | 1,294,000 | 2,629,000 | 3,981,000 | 5,364,000 |
| Noninterest income | 344,000 | 847,000 | 1,445,000 | 2,195,000 |
| Noninterest expense | 2,074,000 | 3,930,000 | 5,860,000 | 7,864,000 |
| Provision for loan losses | 8,000 | 15,000 | 26,000 | 41,000 |
| Pretax income | -178,000 | -161,000 | -91,000 | 23,000 |
| Income tax | -72,000 | -81,000 | -66,000 | -36,000 |
| Net income | -106,000 | -80,000 | -25,000 | 59,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,665,000 | 16,694,000 | 16,542,000 | 16,645,000 |
| Total capital | 17,069,000 | 17,105,000 | 16,964,000 | 17,081,000 |
| Risk-weighted assets | 96,754,000 | 94,833,000 | 100,298,000 | 99,152,000 |