Call reports 2003
FOUR COUNTY BANK, THE — 2003
What FOUR COUNTY BANK, THE reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 39,918,000 | 39,703,000 | 37,231,000 | 37,954,000 |
| Total loans | 21,164,000 | 20,672,000 | 20,788,000 | 20,847,000 |
| Allowance for loan losses | 628,000 | 652,000 | 630,000 | 607,000 |
| Securities available for sale | 12,062,000 | 13,559,000 | 12,784,000 | 12,251,000 |
| Securities held to maturity | 1,381,000 | 1,260,000 | 1,240,000 | 993,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 35,015,000 | 34,647,000 | 32,279,000 | 32,923,000 |
| Interest-bearing deposits | 28,365,000 | 27,920,000 | 26,650,000 | 27,019,000 |
| Noninterest-bearing deposits | 6,650,000 | 6,727,000 | 5,629,000 | 5,904,000 |
| Equity capital | 4,780,000 | 4,912,000 | 4,788,000 | 4,953,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 593,000 | 1,154,000 | 1,744,000 | 2,279,000 |
| Interest expense | 197,000 | 384,000 | 547,000 | 700,000 |
| Net interest income | 396,000 | 770,000 | 1,197,000 | 1,579,000 |
| Noninterest income | 65,000 | 129,000 | 203,000 | 266,000 |
| Noninterest expense | 345,000 | 634,000 | 970,000 | 1,247,000 |
| Provision for loan losses | 45,000 | 90,000 | 135,000 | 180,000 |
| Pretax income | 71,000 | 175,000 | 295,000 | 418,000 |
| Income tax | 4,000 | 18,000 | 36,000 | 20,000 |
| Net income | 67,000 | 157,000 | 259,000 | 398,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,564,000 | 4,654,000 | 4,756,000 | 4,895,000 |
| Total capital | 4,872,000 | 4,958,000 | 5,057,000 | 5,196,000 |
| Risk-weighted assets | 24,334,000 | 23,965,000 | 23,713,000 | 23,782,000 |