Call reports 2011
FAIRFIELD COUNTY BANK — 2011
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 1,533,420,000 | 1,515,243,000 | 1,478,991,000 | 1,441,363,000 |
| Total loans | 1,231,319,000 | 1,246,621,000 | 1,244,500,000 | 1,226,453,000 |
| Allowance for loan losses | 16,352,000 | 16,991,000 | 18,599,000 | 18,649,000 |
| Securities available for sale | 84,245,000 | 56,167,000 | 46,971,000 | 34,778,000 |
| Securities held to maturity | 29,937,000 | 27,340,000 | 23,901,000 | 22,273,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,256,923,000 | 1,224,158,000 | 1,201,173,000 | 1,172,509,000 |
| Interest-bearing deposits | 1,063,053,000 | 1,021,363,000 | 1,002,098,000 | 965,213,000 |
| Noninterest-bearing deposits | 193,870,000 | 202,795,000 | 199,075,000 | 207,296,000 |
| Equity capital | 150,698,000 | 153,534,000 | 155,290,000 | 153,927,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 17,656,000 | 34,832,000 | 51,737,000 | 68,116,000 |
| Interest expense | 3,139,000 | 5,966,000 | 8,593,000 | 10,925,000 |
| Net interest income | 14,517,000 | 28,866,000 | 43,144,000 | 57,191,000 |
| Noninterest income | 4,812,000 | 8,619,000 | 14,175,000 | 18,796,000 |
| Noninterest expense | 13,959,000 | 28,415,000 | 42,754,000 | 56,656,000 |
| Provision for loan losses | 1,600,000 | 2,200,000 | 4,200,000 | 8,300,000 |
| Pretax income | 3,770,000 | 7,315,000 | 10,822,000 | 11,495,000 |
| Income tax | 1,150,000 | 2,260,000 | 3,390,000 | 3,584,000 |
| Net income | 2,620,000 | 5,055,000 | 7,432,000 | 7,911,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 139,197,000 | 140,655,000 | 144,206,000 | 143,798,000 |
| Total capital | 154,828,000 | 156,299,000 | 159,548,000 | 158,978,000 |
| Risk-weighted assets | 1,249,013,000 | 1,248,920,000 | 1,222,023,000 | 1,209,043,000 |