Call reports 2008
FAIRFIELD COUNTY BANK — 2008
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 1,509,559,000 | 1,545,484,000 | 1,536,017,000 | 1,568,123,000 |
| Total loans | 1,299,441,000 | 1,305,892,000 | 1,342,159,000 | 1,379,266,000 |
| Allowance for loan losses | 11,410,000 | 12,012,000 | 11,901,000 | 12,978,000 |
| Securities available for sale | 17,393,000 | 16,885,000 | 15,117,000 | 9,372,000 |
| Securities held to maturity | 46,895,000 | 48,190,000 | 45,214,000 | 44,865,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,199,468,000 | 1,226,276,000 | 1,175,633,000 | 1,203,673,000 |
| Interest-bearing deposits | 1,053,176,000 | 1,030,764,000 | 1,009,240,000 | 1,034,357,000 |
| Noninterest-bearing deposits | 146,292,000 | 195,512,000 | 166,393,000 | 169,316,000 |
| Equity capital | 135,476,000 | 135,361,000 | 144,391,000 | 143,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 23,155,000 | 46,186,000 | 68,310,000 | 90,826,000 |
| Interest expense | 9,781,000 | 17,931,000 | 25,559,000 | 33,207,000 |
| Net interest income | 13,374,000 | 28,255,000 | 42,751,000 | 57,619,000 |
| Noninterest income | 3,947,000 | 6,895,000 | 10,315,000 | 12,953,000 |
| Noninterest expense | 12,768,000 | 25,966,000 | 39,627,000 | 54,754,000 |
| Provision for loan losses | 450,000 | 1,300,000 | 2,125,000 | 4,000,000 |
| Pretax income | 4,072,000 | 7,914,000 | 11,360,000 | 6,716,000 |
| Income tax | 1,222,000 | 2,368,000 | 3,301,000 | 1,679,000 |
| Net income | 2,850,000 | 5,546,000 | 8,059,000 | 5,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 128,934,000 | 131,280,000 | 140,883,000 | 138,619,000 |
| Total capital | 140,344,000 | 143,292,000 | 152,784,000 | 151,598,000 |
| Risk-weighted assets | 1,326,735,000 | 1,349,537,000 | 1,373,596,000 | 1,402,903,000 |