Call reports 2002
FOUR COUNTY BANK, THE — 2002
What FOUR COUNTY BANK, THE reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 37,903,000 | 38,064,000 | 39,030,000 | 39,752,000 |
| Total loans | 23,335,000 | 23,252,000 | 23,034,000 | 21,805,000 |
| Allowance for loan losses | 438,000 | 465,000 | 446,000 | 616,000 |
| Securities available for sale | 8,737,000 | 9,255,000 | 8,932,000 | 9,868,000 |
| Securities held to maturity | 1,884,000 | 1,764,000 | 1,745,000 | 1,405,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 32,845,000 | 32,816,000 | 33,536,000 | 34,895,000 |
| Interest-bearing deposits | 27,539,000 | 26,451,000 | 26,999,000 | 28,132,000 |
| Noninterest-bearing deposits | 5,306,000 | 6,365,000 | 6,537,000 | 6,763,000 |
| Equity capital | 4,904,000 | 5,106,000 | 5,253,000 | 4,757,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 667,000 | 1,324,000 | 1,961,000 | 2,535,000 |
| Interest expense | 249,000 | 469,000 | 678,000 | 889,000 |
| Net interest income | 418,000 | 855,000 | 1,283,000 | 1,646,000 |
| Noninterest income | 75,000 | 157,000 | 233,000 | 293,000 |
| Noninterest expense | 310,000 | 651,000 | 980,000 | 1,233,000 |
| Provision for loan losses | 45,000 | 90,000 | 145,000 | 505,000 |
| Pretax income | 138,000 | 273,000 | 393,000 | 203,000 |
| Income tax | 21,000 | 54,000 | 88,000 | -18,000 |
| Net income | 117,000 | 219,000 | 305,000 | 221,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,893,000 | 4,995,000 | 5,081,000 | 4,597,000 |
| Total capital | 5,208,000 | 5,310,000 | 5,397,000 | 4,908,000 |
| Risk-weighted assets | 25,099,000 | 25,065,000 | 25,180,000 | 24,613,000 |