Call reports 2019
FAIRFIELD COUNTY BANK — 2019
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 1,560,155,000 | 1,566,268,000 | 1,535,090,000 | 1,563,031,000 |
| Total loans | 1,094,359,000 | 1,091,032,000 | 1,108,947,000 | 1,138,712,000 |
| Allowance for loan losses | 11,750,000 | 11,441,000 | 11,646,000 | 11,531,000 |
| Securities available for sale | 346,435,000 | 299,207,000 | 311,099,000 | 307,693,000 |
| Securities held to maturity | 2,088,000 | 2,080,000 | 2,059,000 | 2,046,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,200,505,000 | 1,258,670,000 | 1,186,369,000 | 1,155,997,000 |
| Interest-bearing deposits | 938,302,000 | 983,351,000 | 924,474,000 | 892,057,000 |
| Noninterest-bearing deposits | 262,203,000 | 275,319,000 | 261,895,000 | 263,940,000 |
| Equity capital | 206,718,000 | 212,059,000 | 215,218,000 | 215,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 15,276,000 | 30,927,000 | 45,975,000 | 60,893,000 |
| Interest expense | 1,678,000 | 3,776,000 | 5,757,000 | 7,894,000 |
| Net interest income | 13,598,000 | 27,151,000 | 40,218,000 | 52,999,000 |
| Noninterest income | 3,773,000 | 7,981,000 | 12,047,000 | 15,820,000 |
| Noninterest expense | 13,509,000 | 26,939,000 | 40,791,000 | 54,817,000 |
| Provision for loan losses | 188,000 | 675,000 | 1,113,000 | 1,553,000 |
| Pretax income | 3,687,000 | 8,375,000 | 11,226,000 | 13,311,000 |
| Income tax | 795,000 | 1,805,000 | 2,423,000 | 2,957,000 |
| Net income | 2,892,000 | 6,570,000 | 8,803,000 | 10,354,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 200,207,000 | 203,950,000 | 206,214,000 | 206,378,000 |
| Total capital | 212,249,000 | 215,750,000 | 218,146,000 | 218,277,000 |
| Risk-weighted assets | 1,247,022,000 | 1,229,433,000 | 1,255,781,000 | 1,301,846,000 |