Call reports 2019
FAIRPORT SAVINGS BANK — 2019
What FAIRPORT SAVINGS BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 324,997,000 | 325,313,000 | 323,122,000 | 321,747,000 |
| Total loans | 282,232,000 | 281,656,000 | 282,151,000 | 278,351,000 |
| Allowance for loan losses | 1,636,000 | 1,661,000 | 1,736,000 | 1,641,000 |
| Securities available for sale | 17,839,000 | 18,448,000 | 18,000,000 | 18,126,000 |
| Securities held to maturity | 6,041,000 | 6,026,000 | 6,011,000 | 5,166,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,408,000 | 232,481,000 | 232,896,000 | 235,567,000 |
| Interest-bearing deposits | 215,128,000 | 220,690,000 | 221,495,000 | 222,682,000 |
| Noninterest-bearing deposits | 10,280,000 | 11,791,000 | 11,401,000 | 12,885,000 |
| Equity capital | 29,867,000 | 30,023,000 | 30,148,000 | 29,796,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,356,000 | 6,687,000 | 10,063,000 | 13,340,000 |
| Interest expense | 1,195,000 | 2,435,000 | 3,703,000 | 4,937,000 |
| Net interest income | 2,161,000 | 4,252,000 | 6,360,000 | 8,403,000 |
| Noninterest income | 332,000 | 678,000 | 1,134,000 | 1,624,000 |
| Noninterest expense | 2,295,000 | 4,651,000 | 7,048,000 | 9,938,000 |
| Provision for loan losses | 75,000 | 100,000 | 175,000 | 295,000 |
| Pretax income | 123,000 | 179,000 | 271,000 | -206,000 |
| Income tax | 2,000 | -8,000 | -3,000 | -101,000 |
| Net income | 121,000 | 187,000 | 274,000 | -105,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 29,486,000 | 29,607,000 | 29,691,000 | 29,139,000 |
| Total capital | 31,122,000 | 31,268,000 | 31,427,000 | 30,780,000 |
| Risk-weighted assets | 197,870,000 | 199,424,000 | 190,138,000 | 200,934,000 |
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