Call reports 2005
FAIRFIELD COUNTY BANK — 2005
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 1,173,817,000 | 1,222,918,000 | 1,225,269,000 | 1,231,303,000 |
| Total loans | 984,360,000 | 1,013,189,000 | 1,036,483,000 | 1,061,702,000 |
| Allowance for loan losses | 8,485,000 | 8,711,000 | 8,952,000 | 9,532,000 |
| Securities available for sale | 42,500,000 | 38,915,000 | 28,967,000 | 25,676,000 |
| Securities held to maturity | 52,347,000 | 49,229,000 | 47,244,000 | 45,807,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 930,148,000 | 978,564,000 | 986,480,000 | 965,418,000 |
| Interest-bearing deposits | 791,214,000 | 802,144,000 | 834,313,000 | 822,069,000 |
| Noninterest-bearing deposits | 138,934,000 | 176,420,000 | 152,167,000 | 143,349,000 |
| Equity capital | 106,317,000 | 109,535,000 | 112,385,000 | 114,805,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 15,692,000 | 32,360,000 | 49,796,000 | 67,960,000 |
| Interest expense | 4,599,000 | 9,813,000 | 15,865,000 | 22,406,000 |
| Net interest income | 11,093,000 | 22,547,000 | 33,931,000 | 45,554,000 |
| Noninterest income | 3,574,000 | 6,447,000 | 9,273,000 | 11,804,000 |
| Noninterest expense | 9,509,000 | 19,117,000 | 29,035,000 | 39,089,000 |
| Provision for loan losses | 200,000 | 425,000 | 700,000 | 1,275,000 |
| Pretax income | 4,959,000 | 9,547,000 | 13,629,000 | 17,160,000 |
| Income tax | 1,551,000 | 2,973,000 | 4,211,000 | 5,259,000 |
| Net income | 3,408,000 | 6,574,000 | 9,418,000 | 11,901,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 97,888,000 | 101,115,000 | 103,970,000 | 106,471,000 |
| Total capital | 106,418,000 | 109,851,000 | 112,922,000 | 116,003,000 |
| Risk-weighted assets | 981,312,000 | 1,008,186,000 | 1,020,822,000 | 1,030,755,000 |