Call reports 2012
FAIRFIELD COUNTY BANK — 2012
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 1,471,752,000 | 1,485,543,000 | 1,488,089,000 | 1,483,820,000 |
| Total loans | 1,191,393,000 | 1,196,541,000 | 1,192,381,000 | 1,206,720,000 |
| Allowance for loan losses | 18,684,000 | 18,698,000 | 18,967,000 | 17,420,000 |
| Securities available for sale | 40,610,000 | 61,074,000 | 99,880,000 | 111,530,000 |
| Securities held to maturity | 18,565,000 | 16,245,000 | 13,095,000 | 12,445,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,201,368,000 | 1,217,293,000 | 1,217,823,000 | 1,217,375,000 |
| Interest-bearing deposits | 980,655,000 | 967,074,000 | 975,631,000 | 975,537,000 |
| Noninterest-bearing deposits | 220,713,000 | 250,219,000 | 242,192,000 | 241,838,000 |
| Equity capital | 156,589,000 | 158,536,000 | 160,820,000 | 155,295,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 15,637,000 | 31,275,000 | 46,940,000 | 62,163,000 |
| Interest expense | 1,906,000 | 3,614,000 | 5,229,000 | 6,773,000 |
| Net interest income | 13,731,000 | 27,661,000 | 41,711,000 | 55,390,000 |
| Noninterest income | 5,300,000 | 9,717,000 | 14,988,000 | 19,583,000 |
| Noninterest expense | 13,787,000 | 27,664,000 | 42,808,000 | 58,341,000 |
| Provision for loan losses | 1,350,000 | 2,375,000 | 3,275,000 | 13,821,000 |
| Pretax income | 3,879,000 | 7,324,000 | 10,611,000 | 2,806,000 |
| Income tax | 1,242,000 | 2,390,000 | 3,458,000 | 744,000 |
| Net income | 2,637,000 | 4,934,000 | 7,153,000 | 2,062,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 145,116,000 | 147,570,000 | 149,809,000 | 141,293,000 |
| Total capital | 160,021,000 | 162,710,000 | 165,084,000 | 156,480,000 |
| Risk-weighted assets | 1,185,596,000 | 1,205,791,000 | 1,212,358,000 | 1,211,312,000 |