Call reports 2003
FAIRFIELD COUNTY BANK — 2003
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 643,634,000 | 604,933,000 | 650,216,000 | 648,897,000 |
| Total loans | 486,560,000 | 513,512,000 | 549,182,000 | 578,926,000 |
| Allowance for loan losses | 5,259,000 | 5,352,000 | 5,513,000 | 5,598,000 |
| Securities available for sale | 69,888,000 | 44,161,000 | 41,721,000 | 25,471,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 545,914,000 | 505,120,000 | 545,650,000 | 523,440,000 |
| Interest-bearing deposits | 529,579,000 | 483,606,000 | 527,872,000 | 509,926,000 |
| Noninterest-bearing deposits | 16,335,000 | 21,514,000 | 17,778,000 | 13,514,000 |
| Equity capital | 58,628,000 | 60,915,000 | 62,751,000 | 63,671,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 8,772,000 | 17,616,000 | 26,508,000 | 35,618,000 |
| Interest expense | 2,709,000 | 5,100,000 | 7,304,000 | 9,481,000 |
| Net interest income | 6,063,000 | 12,516,000 | 19,204,000 | 26,137,000 |
| Noninterest income | 2,821,000 | 5,242,000 | 7,966,000 | 9,898,000 |
| Noninterest expense | 6,113,000 | 12,225,000 | 18,764,000 | 26,357,000 |
| Provision for loan losses | 150,000 | 300,000 | 450,000 | 575,000 |
| Pretax income | 2,680,000 | 5,292,000 | 8,636,000 | 9,179,000 |
| Income tax | 882,000 | 1,755,000 | 2,882,000 | 3,061,000 |
| Net income | 1,798,000 | 3,537,000 | 5,754,000 | 6,118,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 54,986,000 | 57,470,000 | 59,877,000 | 60,868,000 |
| Total capital | 60,245,000 | 62,822,000 | 65,390,000 | 66,586,000 |
| Risk-weighted assets | 572,879,000 | 560,857,000 | 587,350,000 | 606,494,000 |