Call reports 2025
FAIRFIELD COUNTY BANK — 2025
What FAIRFIELD COUNTY BANK reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 1,760,247,000 | 1,830,497,000 | 1,873,862,000 | 1,919,529,000 |
| Total loans | 1,381,613,000 | 1,388,965,000 | 1,404,234,000 | 1,479,496,000 |
| Allowance for loan losses | 18,440,000 | 18,118,000 | 17,826,000 | 18,810,000 |
| Securities available for sale | 251,545,000 | 246,772,000 | 245,621,000 | 237,727,000 |
| Securities held to maturity | 617,000 | 602,000 | 582,000 | 565,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,389,421,000 | 1,429,675,000 | 1,419,195,000 | 1,393,977,000 |
| Interest-bearing deposits | 1,081,934,000 | 1,113,060,000 | 1,109,641,000 | 1,088,491,000 |
| Noninterest-bearing deposits | 307,487,000 | 316,615,000 | 309,554,000 | 305,486,000 |
| Equity capital | 228,118,000 | 230,948,000 | 237,134,000 | 241,401,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 18,729,000 | 37,826,000 | 57,341,000 | 77,334,000 |
| Interest expense | 5,327,000 | 10,849,000 | 16,349,000 | 21,769,000 |
| Net interest income | 13,402,000 | 26,977,000 | 40,992,000 | 55,565,000 |
| Noninterest income | 1,602,000 | 3,332,000 | 5,059,000 | 6,707,000 |
| Noninterest expense | 12,774,000 | 25,675,000 | 38,414,000 | 51,410,000 |
| Provision for loan losses | 2,000 | -397,000 | -706,000 | 236,000 |
| Pretax income | 2,268,000 | 4,712,000 | 7,691,000 | 10,603,000 |
| Income tax | 485,000 | 999,000 | 1,597,000 | 2,239,000 |
| Net income | 1,783,000 | 3,713,000 | 6,094,000 | 8,364,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 256,856,000 | 258,785,000 | 261,166,000 | 264,477,000 |