Call reports 2015
FAIRPORT SAVINGS BANK — 2015
What FAIRPORT SAVINGS BANK 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 | 244,010,000 | 251,391,000 | 250,229,000 | 254,534,000 |
| Total loans | 192,898,000 | 200,744,000 | 205,136,000 | 206,521,000 |
| Allowance for loan losses | 691,000 | 728,000 | 766,000 | 811,000 |
| Securities available for sale | 18,519,000 | 17,993,000 | 15,944,000 | 18,976,000 |
| Securities held to maturity | 15,875,000 | 17,478,000 | 14,860,000 | 12,979,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 176,329,000 | 177,683,000 | 180,140,000 | 185,561,000 |
| Interest-bearing deposits | 169,993,000 | 170,496,000 | 173,619,000 | 178,587,000 |
| Noninterest-bearing deposits | 6,336,000 | 7,187,000 | 6,521,000 | 6,974,000 |
| Equity capital | 17,693,000 | 19,671,000 | 20,003,000 | 20,085,000 |
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 | 2,235,000 | 4,552,000 | 6,970,000 | 9,343,000 |
| Interest expense | 464,000 | 945,000 | 1,461,000 | 1,995,000 |
| Net interest income | 1,771,000 | 3,607,000 | 5,509,000 | 7,348,000 |
| Noninterest income | 398,000 | 873,000 | 1,526,000 | 2,267,000 |
| Noninterest expense | 2,069,000 | 4,308,000 | 6,555,000 | 8,930,000 |
| Provision for loan losses | 38,000 | 75,000 | 113,000 | 158,000 |
| Pretax income | 62,000 | 97,000 | 473,000 | 633,000 |
| Income tax | -3,000 | -11,000 | 99,000 | 136,000 |
| Net income | 65,000 | 108,000 | 374,000 | 497,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,844,000 | 19,635,000 | 19,847,000 | 19,946,000 |
| Total capital | 18,535,000 | 20,363,000 | 20,613,000 | 20,757,000 |
| Risk-weighted assets | 121,834,000 | 133,006,000 | 135,235,000 | 137,250,000 |