Call reports 2007
FAIRFIELD COUNTY BANK — 2007
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 1,357,306,000 | 1,400,995,000 | 1,417,156,000 | 1,443,603,000 |
| Total loans | 1,147,141,000 | 1,183,073,000 | 1,206,584,000 | 1,253,081,000 |
| Allowance for loan losses | 10,544,000 | 10,797,000 | 11,024,000 | 11,065,000 |
| Securities available for sale | 19,454,000 | 21,607,000 | 20,685,000 | 19,208,000 |
| Securities held to maturity | 54,214,000 | 50,702,000 | 50,448,000 | 49,966,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,078,073,000 | 1,123,412,000 | 1,164,287,000 | 1,126,921,000 |
| Interest-bearing deposits | 920,973,000 | 961,112,000 | 1,001,273,000 | 970,129,000 |
| Noninterest-bearing deposits | 157,100,000 | 162,300,000 | 163,014,000 | 156,792,000 |
| Equity capital | 129,189,000 | 131,255,000 | 133,401,000 | 133,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 21,685,000 | 43,817,000 | 67,369,000 | 90,527,000 |
| Interest expense | 9,758,000 | 19,567,000 | 29,902,000 | 39,989,000 |
| Net interest income | 11,927,000 | 24,250,000 | 37,467,000 | 50,538,000 |
| Noninterest income | 4,234,000 | 7,590,000 | 10,394,000 | 13,197,000 |
| Noninterest expense | 11,880,000 | 24,240,000 | 36,791,000 | 49,590,000 |
| Provision for loan losses | 250,000 | 500,000 | 750,000 | 1,000,000 |
| Pretax income | 4,031,000 | 7,091,000 | 10,311,000 | 13,265,000 |
| Income tax | 1,462,000 | 2,410,000 | 3,319,000 | 3,996,000 |
| Net income | 2,569,000 | 4,681,000 | 6,992,000 | 9,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 111,617,000 | 117,250,000 | 119,017,000 | 120,769,000 |
| Total capital | 122,161,000 | 128,050,000 | 130,063,000 | 131,834,000 |
| Risk-weighted assets | 1,173,212,000 | 1,214,167,000 | 1,234,511,000 | 1,277,275,000 |