Call reports 2016
FAIRFIELD COUNTY BANK — 2016
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 1,550,869,000 | 1,596,528,000 | 1,546,451,000 | 1,509,339,000 |
| Total loans | 1,251,269,000 | 1,274,796,000 | 1,262,661,000 | 1,249,580,000 |
| Allowance for loan losses | 15,326,000 | 15,890,000 | 15,602,000 | 15,246,000 |
| Securities available for sale | 152,036,000 | 146,332,000 | 140,899,000 | 141,495,000 |
| Securities held to maturity | 7,027,000 | 6,968,000 | 6,931,000 | 6,927,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,240,570,000 | 1,263,291,000 | 1,234,912,000 | 1,238,194,000 |
| Interest-bearing deposits | 910,565,000 | 898,229,000 | 891,138,000 | 884,790,000 |
| Noninterest-bearing deposits | 330,005,000 | 365,062,000 | 343,774,000 | 353,404,000 |
| Equity capital | 181,589,000 | 184,600,000 | 187,034,000 | 187,215,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 14,629,000 | 29,178,000 | 43,889,000 | 58,302,000 |
| Interest expense | 809,000 | 1,640,000 | 2,485,000 | 3,244,000 |
| Net interest income | 13,820,000 | 27,538,000 | 41,404,000 | 55,058,000 |
| Noninterest income | 4,758,000 | 9,223,000 | 13,511,000 | 17,492,000 |
| Noninterest expense | 14,489,000 | 28,050,000 | 42,048,000 | 55,883,000 |
| Provision for loan losses | 310,000 | 1,090,000 | 1,210,000 | 1,350,000 |
| Pretax income | 3,779,000 | 7,959,000 | 11,992,000 | 15,758,000 |
| Income tax | 1,281,000 | 2,696,000 | 4,108,000 | 5,496,000 |
| Net income | 2,498,000 | 5,263,000 | 7,884,000 | 10,262,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 171,087,000 | 173,883,000 | 176,533,000 | 180,689,000 |
| Total capital | 186,701,000 | 189,958,000 | 192,336,000 | 196,109,000 |
| Risk-weighted assets | 1,325,344,000 | 1,349,498,000 | 1,325,917,000 | 1,345,474,000 |