Call reports 2017
FAIRPORT SAVINGS BANK — 2017
What FAIRPORT SAVINGS BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 283,453,000 | 288,307,000 | 302,874,000 | 312,913,000 |
| Total loans | 240,763,000 | 245,589,000 | 258,477,000 | 266,747,000 |
| Allowance for loan losses | 1,042,000 | 1,102,000 | 1,186,000 | 1,261,000 |
| Securities available for sale | 18,363,000 | 18,395,000 | 19,053,000 | 18,313,000 |
| Securities held to maturity | 7,329,000 | 6,598,000 | 6,919,000 | 6,576,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 186,689,000 | 201,840,000 | 199,558,000 | 216,696,000 |
| Interest-bearing deposits | 178,501,000 | 192,712,000 | 191,543,000 | 208,311,000 |
| Noninterest-bearing deposits | 8,188,000 | 9,128,000 | 8,015,000 | 8,385,000 |
| Equity capital | 28,671,000 | 28,975,000 | 29,226,000 | 29,172,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,579,000 | 5,290,000 | 8,214,000 | 11,249,000 |
| Interest expense | 591,000 | 1,254,000 | 1,976,000 | 2,778,000 |
| Net interest income | 1,988,000 | 4,036,000 | 6,238,000 | 8,471,000 |
| Noninterest income | 540,000 | 1,473,000 | 2,339,000 | 3,046,000 |
| Noninterest expense | 2,466,000 | 5,013,000 | 7,643,000 | 10,236,000 |
| Provision for loan losses | 52,000 | 112,000 | 196,000 | 271,000 |
| Pretax income | 10,000 | 384,000 | 738,000 | 1,010,000 |
| Income tax | -28,000 | 64,000 | 174,000 | 448,000 |
| Net income | 38,000 | 320,000 | 564,000 | 562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,288,000 | 28,507,000 | 28,778,000 | 28,969,000 |
| Total capital | 29,330,000 | 29,609,000 | 29,964,000 | 30,230,000 |
| Risk-weighted assets | 166,370,000 | 172,641,000 | 182,558,000 | 186,831,000 |