Call reports 2002
FAIRFIELD COUNTY BANK — 2002
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 567,620,000 | 574,387,000 | 591,234,000 | 586,496,000 |
| Total loans | 461,273,000 | 472,854,000 | 498,827,000 | 496,230,000 |
| Allowance for loan losses | 5,010,000 | 5,086,000 | 5,206,000 | 5,271,000 |
| Securities available for sale | 54,478,000 | 42,872,000 | 46,320,000 | 40,801,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 459,191,000 | 471,738,000 | 495,187,000 | 485,444,000 |
| Interest-bearing deposits | 402,696,000 | 404,756,000 | 431,319,000 | 473,907,000 |
| Noninterest-bearing deposits | 56,495,000 | 66,982,000 | 63,868,000 | 11,537,000 |
| Equity capital | 52,885,000 | 53,896,000 | 55,040,000 | 56,989,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 9,249,000 | 18,361,000 | 27,706,000 | 36,903,000 |
| Interest expense | 3,249,000 | 6,353,000 | 9,489,000 | 12,391,000 |
| Net interest income | 6,000,000 | 12,008,000 | 18,217,000 | 24,512,000 |
| Noninterest income | 2,569,000 | 4,640,000 | 6,752,000 | 9,399,000 |
| Noninterest expense | 5,313,000 | 11,101,000 | 16,997,000 | 23,221,000 |
| Provision for loan losses | 140,000 | 260,000 | 380,000 | 460,000 |
| Pretax income | 3,118,000 | 5,301,000 | 7,606,000 | 8,788,000 |
| Income tax | 1,004,000 | 1,672,000 | 2,386,000 | 2,721,000 |
| Net income | 2,114,000 | 3,629,000 | 5,220,000 | 6,067,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 50,762,000 | 50,504,000 | 50,739,000 | 53,512,000 |
| Total capital | 55,772,000 | 55,590,000 | 55,945,000 | 58,783,000 |
| Risk-weighted assets | 504,305,000 | 509,554,000 | 533,195,000 | 540,361,000 |