Call reports 2009
FAIRFIELD COUNTY BANK — 2009
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 1,664,687,000 | 1,614,403,000 | 1,559,100,000 | 1,558,244,000 |
| Total loans | 1,382,636,000 | 1,370,249,000 | 1,281,597,000 | 1,257,139,000 |
| Allowance for loan losses | 12,227,000 | 13,378,000 | 12,767,000 | 13,758,000 |
| Securities available for sale | 34,096,000 | 33,492,000 | 33,442,000 | 55,292,000 |
| Securities held to maturity | 41,833,000 | 38,935,000 | 37,988,000 | 36,558,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,324,929,000 | 1,292,820,000 | 1,247,000,000 | 1,254,670,000 |
| Interest-bearing deposits | 1,169,708,000 | 1,107,178,000 | 1,084,378,000 | 1,086,252,000 |
| Noninterest-bearing deposits | 155,221,000 | 185,642,000 | 162,622,000 | 168,418,000 |
| Equity capital | 145,400,000 | 147,845,000 | 149,243,000 | 146,119,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 21,278,000 | 42,397,000 | 62,175,000 | 80,561,000 |
| Interest expense | 7,137,000 | 13,593,000 | 19,489,000 | 24,712,000 |
| Net interest income | 14,141,000 | 28,804,000 | 42,686,000 | 55,849,000 |
| Noninterest income | 4,698,000 | 9,352,000 | 13,547,000 | 17,130,000 |
| Noninterest expense | 13,758,000 | 29,139,000 | 43,454,000 | 59,373,000 |
| Provision for loan losses | 1,600,000 | 3,667,000 | 6,000,000 | 8,700,000 |
| Pretax income | 3,488,000 | 3,672,000 | 4,920,000 | 2,268,000 |
| Income tax | 1,048,000 | 922,000 | 980,000 | -85,000 |
| Net income | 2,440,000 | 2,750,000 | 3,940,000 | 2,353,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 138,784,000 | 141,400,000 | 142,573,000 | 141,435,000 |
| Total capital | 151,011,000 | 154,778,000 | 155,351,000 | 155,198,000 |
| Risk-weighted assets | 1,428,923,000 | 1,420,751,000 | 1,341,598,000 | 1,327,630,000 |