Call reports 2013
FAIRFIELD COUNTY BANK — 2013
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 1,526,153,000 | 1,586,550,000 | 1,510,033,000 | 1,485,501,000 |
| Total loans | 1,201,647,000 | 1,189,792,000 | 1,144,364,000 | 1,153,223,000 |
| Allowance for loan losses | 17,767,000 | 17,469,000 | 17,928,000 | 16,602,000 |
| Securities available for sale | 104,817,000 | 115,424,000 | 122,152,000 | 175,679,000 |
| Securities held to maturity | 11,347,000 | 9,022,000 | 8,641,000 | 8,480,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,236,776,000 | 1,304,857,000 | 1,245,735,000 | 1,231,174,000 |
| Interest-bearing deposits | 996,374,000 | 1,010,660,000 | 965,983,000 | 938,333,000 |
| Noninterest-bearing deposits | 240,402,000 | 294,197,000 | 279,752,000 | 292,841,000 |
| Equity capital | 158,803,000 | 160,001,000 | 162,686,000 | 165,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 15,423,000 | 29,987,000 | 44,402,000 | 58,653,000 |
| Interest expense | 1,382,000 | 2,720,000 | 4,012,000 | 5,250,000 |
| Net interest income | 14,041,000 | 27,267,000 | 40,390,000 | 53,403,000 |
| Noninterest income | 5,296,000 | 9,992,000 | 15,034,000 | 18,719,000 |
| Noninterest expense | 13,608,000 | 26,413,000 | 40,313,000 | 55,384,000 |
| Provision for loan losses | 700,000 | 1,400,000 | 2,100,000 | 1,833,000 |
| Pretax income | 5,018,000 | 9,918,000 | 13,483,000 | 15,377,000 |
| Income tax | 1,698,000 | 3,355,000 | 4,551,000 | 5,151,000 |
| Net income | 3,320,000 | 6,563,000 | 8,932,000 | 10,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 147,768,000 | 151,320,000 | 153,376,000 | 154,783,000 |
| Total capital | 162,989,000 | 166,273,000 | 167,972,000 | 169,832,000 |
| Risk-weighted assets | 1,203,783,000 | 1,192,942,000 | 1,164,116,000 | 1,183,142,000 |