Call reports 2006
FAIRFIELD COUNTY BANK — 2006
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 1,267,657,000 | 1,310,371,000 | 1,351,338,000 | 1,351,193,000 |
| Total loans | 1,077,984,000 | 1,101,137,000 | 1,140,494,000 | 1,156,653,000 |
| Allowance for loan losses | 9,754,000 | 9,932,000 | 10,149,000 | 10,308,000 |
| Securities available for sale | 24,374,000 | 24,099,000 | 50,129,000 | 18,407,000 |
| Securities held to maturity | 45,529,000 | 53,501,000 | 53,130,000 | 51,417,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 995,833,000 | 1,020,314,000 | 1,051,792,000 | 1,056,614,000 |
| Interest-bearing deposits | 843,859,000 | 865,318,000 | 899,864,000 | 900,916,000 |
| Noninterest-bearing deposits | 151,974,000 | 154,996,000 | 151,928,000 | 155,698,000 |
| Equity capital | 118,261,000 | 121,572,000 | 124,303,000 | 126,573,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 19,241,000 | 39,520,000 | 60,741,000 | 83,382,000 |
| Interest expense | 7,104,000 | 15,027,000 | 24,470,000 | 34,720,000 |
| Net interest income | 12,137,000 | 24,493,000 | 36,271,000 | 48,662,000 |
| Noninterest income | 3,515,000 | 6,578,000 | 9,436,000 | 12,021,000 |
| Noninterest expense | 10,247,000 | 20,849,000 | 31,548,000 | 43,164,000 |
| Provision for loan losses | 225,000 | 450,000 | 675,000 | 700,000 |
| Pretax income | 5,180,000 | 9,772,000 | 13,573,000 | 16,887,000 |
| Income tax | 1,684,000 | 2,995,000 | 4,134,000 | 5,154,000 |
| Net income | 3,496,000 | 6,777,000 | 9,439,000 | 11,733,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 109,984,000 | 113,296,000 | 108,024,000 | 109,626,000 |
| Total capital | 119,738,000 | 123,228,000 | 118,173,000 | 119,934,000 |
| Risk-weighted assets | 1,058,029,000 | 1,114,693,000 | 1,154,341,000 | 1,169,547,000 |