Call reports 2018
FAIRFIELD COUNTY BANK — 2018
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 1,472,431,000 | 1,513,112,000 | 1,495,564,000 | 1,486,214,000 |
| Total loans | 1,111,737,000 | 1,099,617,000 | 1,125,334,000 | 1,098,577,000 |
| Allowance for loan losses | 12,231,000 | 12,485,000 | 11,627,000 | 11,572,000 |
| Securities available for sale | 235,419,000 | 243,467,000 | 240,595,000 | 271,028,000 |
| Securities held to maturity | 3,390,000 | 2,383,000 | 2,370,000 | 2,362,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,189,283,000 | 1,197,084,000 | 1,198,005,000 | 1,172,945,000 |
| Interest-bearing deposits | 887,101,000 | 877,847,000 | 905,412,000 | 884,690,000 |
| Noninterest-bearing deposits | 302,182,000 | 319,237,000 | 292,593,000 | 288,255,000 |
| Equity capital | 188,621,000 | 190,411,000 | 191,167,000 | 199,319,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 14,171,000 | 28,567,000 | 43,395,000 | 58,463,000 |
| Interest expense | 744,000 | 1,600,000 | 2,668,000 | 3,934,000 |
| Net interest income | 13,427,000 | 26,967,000 | 40,727,000 | 54,529,000 |
| Noninterest income | 4,659,000 | 8,740,000 | 12,226,000 | 16,797,000 |
| Noninterest expense | 13,673,000 | 27,098,000 | 40,787,000 | 54,336,000 |
| Provision for loan losses | 188,000 | 375,000 | 1,063,000 | 1,250,000 |
| Pretax income | 4,187,000 | 8,196,000 | 11,065,000 | 15,702,000 |
| Income tax | 904,000 | 1,773,000 | 2,398,000 | 3,250,000 |
| Net income | 3,283,000 | 6,423,000 | 8,667,000 | 12,452,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 186,860,000 | 189,992,000 | 192,259,000 | 196,168,000 |
| Total capital | 199,152,000 | 202,498,000 | 203,928,000 | 207,995,000 |
| Risk-weighted assets | 1,193,372,000 | 1,201,182,000 | 1,237,410,000 | 1,211,560,000 |