Call reports 2015
FAIRFIELD COUNTY BANK — 2015
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 1,553,926,000 | 1,589,090,000 | 1,526,579,000 | 1,532,707,000 |
| Total loans | 1,219,083,000 | 1,237,382,000 | 1,233,209,000 | 1,244,904,000 |
| Allowance for loan losses | 15,931,000 | 15,953,000 | 15,867,000 | 15,503,000 |
| Securities available for sale | 154,985,000 | 147,463,000 | 142,154,000 | 155,481,000 |
| Securities held to maturity | 7,504,000 | 7,246,000 | 7,202,000 | 7,058,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,223,800,000 | 1,266,608,000 | 1,245,840,000 | 1,250,986,000 |
| Interest-bearing deposits | 932,578,000 | 947,706,000 | 930,892,000 | 911,859,000 |
| Noninterest-bearing deposits | 291,222,000 | 318,902,000 | 314,948,000 | 339,127,000 |
| Equity capital | 171,418,000 | 172,439,000 | 175,339,000 | 177,976,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 14,728,000 | 29,112,000 | 43,743,000 | 58,549,000 |
| Interest expense | 935,000 | 1,840,000 | 2,727,000 | 3,551,000 |
| Net interest income | 13,793,000 | 27,272,000 | 41,016,000 | 54,998,000 |
| Noninterest income | 5,092,000 | 9,597,000 | 14,767,000 | 18,612,000 |
| Noninterest expense | 14,716,000 | 29,888,000 | 45,231,000 | 59,600,000 |
| Provision for loan losses | 320,000 | 320,000 | 320,000 | 320,000 |
| Pretax income | 3,876,000 | 6,844,000 | 10,416,000 | 13,873,000 |
| Income tax | 1,296,000 | 2,314,000 | 3,543,000 | 4,697,000 |
| Net income | 2,580,000 | 4,530,000 | 6,873,000 | 9,176,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 163,431,000 | 165,405,000 | 167,772,000 | 168,613,000 |
| Total capital | 179,433,000 | 181,457,000 | 183,790,000 | 184,292,000 |
| Risk-weighted assets | 1,278,951,000 | 1,292,165,000 | 1,290,525,000 | 1,303,322,000 |