Call reports 2006
FOUR COUNTY BANK, THE — 2006
What FOUR COUNTY BANK, THE reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 42,529,000 | 44,202,000 | 47,374,000 | 55,358,000 |
| Total loans | 28,456,000 | 30,091,000 | 30,193,000 | 34,891,000 |
| Allowance for loan losses | 598,000 | 617,000 | 637,000 | 694,000 |
| Securities available for sale | 10,050,000 | 9,800,000 | 9,692,000 | 9,030,000 |
| Securities held to maturity | 249,000 | 244,000 | 240,000 | 237,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 36,998,000 | 38,900,000 | 41,835,000 | 49,670,000 |
| Interest-bearing deposits | 31,171,000 | 33,118,000 | 34,340,000 | 42,905,000 |
| Noninterest-bearing deposits | 5,827,000 | 5,782,000 | 7,495,000 | 6,765,000 |
| Equity capital | 5,022,000 | 5,083,000 | 5,263,000 | 5,415,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 684,000 | 1,384,000 | 2,167,000 | 3,043,000 |
| Interest expense | 247,000 | 518,000 | 843,000 | 1,194,000 |
| Net interest income | 437,000 | 866,000 | 1,324,000 | 1,849,000 |
| Noninterest income | 62,000 | 120,000 | 173,000 | 231,000 |
| Noninterest expense | 311,000 | 642,000 | 951,000 | 1,317,000 |
| Provision for loan losses | 65,000 | 95,000 | 140,000 | 200,000 |
| Pretax income | 123,000 | 249,000 | 406,000 | 563,000 |
| Income tax | 28,000 | 58,000 | 98,000 | 124,000 |
| Net income | 95,000 | 191,000 | 308,000 | 439,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,162,000 | 5,259,000 | 5,376,000 | 5,507,000 |
| Total capital | 5,555,000 | 5,673,000 | 5,831,000 | 5,975,000 |
| Risk-weighted assets | 31,201,000 | 32,895,000 | 36,181,000 | 37,233,000 |