Call reports 2004
FAIRFIELD COUNTY BANK — 2004
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 1,024,894,000 | 1,096,846,000 | 1,085,186,000 | 1,121,198,000 |
| Total loans | 789,597,000 | 841,355,000 | 866,779,000 | 930,895,000 |
| Allowance for loan losses | 7,672,000 | 8,143,000 | 8,146,000 | 8,305,000 |
| Securities available for sale | 105,365,000 | 82,388,000 | 64,308,000 | 39,647,000 |
| Securities held to maturity | 41,972,000 | 59,302,000 | 56,506,000 | 54,286,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 810,744,000 | 890,178,000 | 849,881,000 | 863,546,000 |
| Interest-bearing deposits | 708,974,000 | 753,017,000 | 717,435,000 | 726,540,000 |
| Noninterest-bearing deposits | 101,770,000 | 137,161,000 | 132,446,000 | 137,006,000 |
| Equity capital | 99,286,000 | 99,686,000 | 101,496,000 | 102,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 12,964,000 | 26,125,000 | 39,792,000 | 54,507,000 |
| Interest expense | 3,477,000 | 6,903,000 | 10,576,000 | 14,581,000 |
| Net interest income | 9,487,000 | 19,222,000 | 29,216,000 | 39,926,000 |
| Noninterest income | 2,587,000 | 5,025,000 | 7,310,000 | 9,426,000 |
| Noninterest expense | 8,867,000 | 17,788,000 | 28,091,000 | 38,620,000 |
| Provision for loan losses | 180,000 | 300,000 | 300,000 | 420,000 |
| Pretax income | 3,509,000 | 6,564,000 | 8,525,000 | 10,691,000 |
| Income tax | 1,041,000 | 2,131,000 | 2,664,000 | 3,237,000 |
| Net income | 2,468,000 | 4,433,000 | 5,861,000 | 7,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 96,063,000 | 91,517,000 | 92,643,000 | 94,444,000 |
| Total capital | 103,849,000 | 99,660,000 | 100,789,000 | 102,823,000 |
| Risk-weighted assets | 837,691,000 | 883,916,000 | 882,144,000 | 924,894,000 |