Call reports 2005
FOUR COUNTY BANK, THE — 2005
What FOUR COUNTY BANK, THE reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 39,103,000 | 39,825,000 | 41,768,000 | 41,808,000 |
| Total loans | 23,595,000 | 26,216,000 | 27,859,000 | 27,775,000 |
| Allowance for loan losses | 637,000 | 646,000 | 664,000 | 581,000 |
| Securities available for sale | 11,009,000 | 10,502,000 | 10,459,000 | 10,183,000 |
| Securities held to maturity | 358,000 | 350,000 | 337,000 | 255,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 33,974,000 | 34,468,000 | 36,134,000 | 35,878,000 |
| Interest-bearing deposits | 28,779,000 | 29,102,000 | 30,244,000 | 30,569,000 |
| Noninterest-bearing deposits | 5,195,000 | 5,366,000 | 5,890,000 | 5,309,000 |
| Equity capital | 4,957,000 | 5,128,000 | 5,228,000 | 4,947,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 571,000 | 1,172,000 | 1,799,000 | 2,467,000 |
| Interest expense | 161,000 | 340,000 | 539,000 | 763,000 |
| Net interest income | 410,000 | 832,000 | 1,260,000 | 1,704,000 |
| Noninterest income | 74,000 | 159,000 | 234,000 | 294,000 |
| Noninterest expense | 295,000 | 604,000 | 931,000 | 1,271,000 |
| Provision for loan losses | 35,000 | 65,000 | 85,000 | 115,000 |
| Pretax income | 154,000 | 322,000 | 478,000 | 612,000 |
| Income tax | 38,000 | 78,000 | 116,000 | 147,000 |
| Net income | 116,000 | 244,000 | 362,000 | 465,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,020,000 | 5,148,000 | 5,265,000 | 5,068,000 |
| Total capital | 5,359,000 | 5,513,000 | 5,653,000 | 5,463,000 |
| Risk-weighted assets | 26,826,000 | 28,911,000 | 30,776,000 | 31,422,000 |