Call reports 2017
FAIRFIELD COUNTY BANK — 2017
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 1,558,365,000 | 1,555,285,000 | 1,515,043,000 | 1,507,851,000 |
| Total loans | 1,246,796,000 | 1,248,315,000 | 1,224,880,000 | 1,115,973,000 |
| Allowance for loan losses | 15,024,000 | 15,388,000 | 15,603,000 | 12,262,000 |
| Securities available for sale | 171,335,000 | 173,232,000 | 169,314,000 | 213,242,000 |
| Securities held to maturity | 5,660,000 | 4,733,000 | 4,733,000 | 3,634,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,248,837,000 | 1,253,608,000 | 1,207,260,000 | 1,213,923,000 |
| Interest-bearing deposits | 910,380,000 | 889,624,000 | 861,778,000 | 887,270,000 |
| Noninterest-bearing deposits | 338,457,000 | 363,984,000 | 345,482,000 | 326,653,000 |
| Equity capital | 189,672,000 | 192,566,000 | 195,855,000 | 188,807,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 14,445,000 | 29,266,000 | 44,123,000 | 58,496,000 |
| Interest expense | 662,000 | 1,380,000 | 2,149,000 | 2,886,000 |
| Net interest income | 13,783,000 | 27,886,000 | 41,974,000 | 55,610,000 |
| Noninterest income | 4,654,000 | 8,809,000 | 12,743,000 | 13,172,000 |
| Noninterest expense | 13,454,000 | 27,093,000 | 40,231,000 | 53,800,000 |
| Provision for loan losses | 1,125,000 | 1,800,000 | 2,025,000 | 2,386,000 |
| Pretax income | 3,865,000 | 7,809,000 | 12,468,000 | 12,612,000 |
| Income tax | 1,370,000 | 2,752,000 | 4,379,000 | 11,068,000 |
| Net income | 2,495,000 | 5,057,000 | 8,089,000 | 1,544,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 183,085,000 | 185,671,000 | 188,738,000 | 184,448,000 |
| Total capital | 198,213,000 | 201,176,000 | 204,443,000 | 196,775,000 |
| Risk-weighted assets | 1,355,360,000 | 1,357,502,000 | 1,329,894,000 | 1,209,413,000 |