Call reports 2013
FAIRPORT SAVINGS BANK — 2013
What FAIRPORT SAVINGS BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 213,395,000 | 220,317,000 | 229,348,000 | 234,295,000 |
| Total loans | 153,704,000 | 162,170,000 | 171,931,000 | 178,836,000 |
| Allowance for loan losses | 458,000 | 481,000 | 503,000 | 526,000 |
| Securities available for sale | 35,808,000 | 35,725,000 | 36,080,000 | 33,676,000 |
| Securities held to maturity | 6,985,000 | 6,916,000 | 6,776,000 | 6,928,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,713,000 | 168,349,000 | 169,530,000 | 180,014,000 |
| Interest-bearing deposits | 158,021,000 | 162,891,000 | 164,464,000 | 174,339,000 |
| Noninterest-bearing deposits | 4,692,000 | 5,458,000 | 5,066,000 | 5,675,000 |
| Equity capital | 17,116,000 | 16,458,000 | 16,325,000 | 15,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,877,000 | 3,769,000 | 5,748,000 | 7,797,000 |
| Interest expense | 475,000 | 936,000 | 1,413,000 | 1,894,000 |
| Net interest income | 1,402,000 | 2,833,000 | 4,335,000 | 5,903,000 |
| Noninterest income | 563,000 | 1,106,000 | 1,790,000 | 2,402,000 |
| Noninterest expense | 1,978,000 | 3,898,000 | 5,872,000 | 7,940,000 |
| Provision for loan losses | 23,000 | 45,000 | 67,000 | 90,000 |
| Pretax income | 4,000 | 36,000 | 226,000 | 351,000 |
| Income tax | -12,000 | -14,000 | 35,000 | 70,000 |
| Net income | 16,000 | 50,000 | 191,000 | 281,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,656,000 | 16,693,000 | 16,908,000 | 16,935,000 |
| Total capital | 17,114,000 | 17,174,000 | 17,411,000 | 17,461,000 |
| Risk-weighted assets | 100,928,000 | 105,658,000 | 111,747,000 | 114,279,000 |