Call reports 2004
FOUR COUNTY BANK, THE — 2004
What FOUR COUNTY BANK, THE reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 36,992,000 | 37,455,000 | 37,609,000 | 38,871,000 |
| Total loans | 21,197,000 | 21,460,000 | 21,658,000 | 22,929,000 |
| Allowance for loan losses | 623,000 | 598,000 | 583,000 | 621,000 |
| Securities available for sale | 11,509,000 | 10,772,000 | 11,450,000 | 11,322,000 |
| Securities held to maturity | 976,000 | 962,000 | 789,000 | 419,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 31,928,000 | 32,550,000 | 32,405,000 | 33,614,000 |
| Interest-bearing deposits | 26,459,000 | 26,813,000 | 27,057,000 | 27,901,000 |
| Noninterest-bearing deposits | 5,469,000 | 5,737,000 | 5,348,000 | 5,713,000 |
| Equity capital | 4,945,000 | 4,776,000 | 5,054,000 | 5,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 536,000 | 1,065,000 | 1,604,000 | 2,156,000 |
| Interest expense | 141,000 | 275,000 | 411,000 | 558,000 |
| Net interest income | 395,000 | 790,000 | 1,193,000 | 1,598,000 |
| Noninterest income | 82,000 | 167,000 | 255,000 | 344,000 |
| Noninterest expense | 329,000 | 627,000 | 954,000 | 1,268,000 |
| Provision for loan losses | 45,000 | 100,000 | 140,000 | 160,000 |
| Pretax income | 103,000 | 230,000 | 357,000 | 517,000 |
| Income tax | 17,000 | 30,000 | 69,000 | 113,000 |
| Net income | 86,000 | 200,000 | 288,000 | 404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,786,000 | 4,900,000 | 4,988,000 | 5,103,000 |
| Total capital | 5,088,000 | 5,210,000 | 5,296,000 | 5,426,000 |
| Risk-weighted assets | 23,800,000 | 24,511,000 | 24,374,000 | 25,565,000 |