Call reports 2014
FAIRFIELD COUNTY BANK — 2014
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 1,491,016,000 | 1,478,641,000 | 1,538,315,000 | 1,525,023,000 |
| Total loans | 1,160,706,000 | 1,186,903,000 | 1,218,163,000 | 1,233,116,000 |
| Allowance for loan losses | 16,398,000 | 16,079,000 | 16,080,000 | 15,453,000 |
| Securities available for sale | 142,148,000 | 141,285,000 | 177,559,000 | 160,058,000 |
| Securities held to maturity | 8,375,000 | 8,271,000 | 7,736,000 | 7,533,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,227,012,000 | 1,240,754,000 | 1,227,033,000 | 1,202,361,000 |
| Interest-bearing deposits | 933,098,000 | 948,751,000 | 937,873,000 | 910,110,000 |
| Noninterest-bearing deposits | 293,914,000 | 292,003,000 | 289,160,000 | 292,251,000 |
| Equity capital | 169,517,000 | 172,939,000 | 175,781,000 | 168,239,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 14,212,000 | 28,384,000 | 43,024,000 | 57,819,000 |
| Interest expense | 1,096,000 | 2,172,000 | 3,162,000 | 4,153,000 |
| Net interest income | 13,116,000 | 26,212,000 | 39,862,000 | 53,666,000 |
| Noninterest income | 4,627,000 | 8,556,000 | 12,805,000 | 17,172,000 |
| Noninterest expense | 13,064,000 | 26,759,000 | 41,149,000 | 55,838,000 |
| Provision for loan losses | 450,000 | 600,000 | 700,000 | 1,650,000 |
| Pretax income | 4,555,000 | 7,735,000 | 11,022,000 | 13,426,000 |
| Income tax | 1,572,000 | 2,701,000 | 3,724,000 | 4,257,000 |
| Net income | 2,983,000 | 5,034,000 | 7,298,000 | 9,169,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 160,867,000 | 163,357,000 | 165,837,000 | 157,963,000 |
| Total capital | 176,083,000 | 179,019,000 | 181,870,000 | 173,440,000 |
| Risk-weighted assets | 1,188,940,000 | 1,210,205,000 | 1,243,061,000 | 1,236,289,000 |