Call reports 2010
FAIRFIELD COUNTY BANK — 2010
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 1,584,612,000 | 1,597,595,000 | 1,625,388,000 | 1,558,122,000 |
| Total loans | 1,235,476,000 | 1,232,774,000 | 1,244,745,000 | 1,276,647,000 |
| Allowance for loan losses | 13,413,000 | 14,811,000 | 14,393,000 | 16,131,000 |
| Securities available for sale | 91,191,000 | 85,608,000 | 69,906,000 | 69,757,000 |
| Securities held to maturity | 34,964,000 | 34,162,000 | 32,918,000 | 31,808,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,294,784,000 | 1,323,449,000 | 1,351,070,000 | 1,284,581,000 |
| Interest-bearing deposits | 1,114,884,000 | 1,135,247,000 | 1,158,489,000 | 1,101,511,000 |
| Noninterest-bearing deposits | 179,900,000 | 188,202,000 | 192,581,000 | 183,070,000 |
| Equity capital | 148,598,000 | 147,355,000 | 148,426,000 | 147,894,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 18,052,000 | 36,169,000 | 54,601,000 | 72,789,000 |
| Interest expense | 4,868,000 | 9,603,000 | 13,921,000 | 17,733,000 |
| Net interest income | 13,184,000 | 26,566,000 | 40,680,000 | 55,056,000 |
| Noninterest income | 5,235,000 | 9,094,000 | 13,424,000 | 17,817,000 |
| Noninterest expense | 14,700,000 | 29,665,000 | 44,834,000 | 62,084,000 |
| Provision for loan losses | 2,050,000 | 6,250,000 | 7,650,000 | 9,750,000 |
| Pretax income | 1,657,000 | -284,000 | 1,549,000 | 976,000 |
| Income tax | 438,000 | -7,000 | 324,000 | -134,000 |
| Net income | 1,219,000 | -277,000 | 1,225,000 | 1,110,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 142,413,000 | 138,721,000 | 139,683,000 | 135,602,000 |
| Total capital | 155,835,000 | 153,549,000 | 154,097,000 | 151,519,000 |
| Risk-weighted assets | 1,314,119,000 | 1,291,933,000 | 1,297,829,000 | 1,288,938,000 |