Call reports 2007
FOUR COUNTY BANK, THE — 2007
What FOUR COUNTY BANK, THE reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 56,679,000 | 63,243,000 | 64,278,000 | 66,965,000 |
| Total loans | 44,062,000 | 51,058,000 | 50,650,000 | 54,041,000 |
| Allowance for loan losses | 718,000 | 722,000 | 731,000 | 674,000 |
| Securities available for sale | 8,676,000 | 8,296,000 | 8,644,000 | 8,636,000 |
| Securities held to maturity | 232,000 | 228,000 | 225,000 | 223,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,024,000 | 57,574,000 | 58,286,000 | 60,991,000 |
| Interest-bearing deposits | 43,500,000 | 47,537,000 | 52,145,000 | 55,107,000 |
| Noninterest-bearing deposits | 7,524,000 | 10,037,000 | 6,141,000 | 5,884,000 |
| Equity capital | 5,336,000 | 5,386,000 | 5,613,000 | 5,712,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,024,000 | 2,094,000 | 3,280,000 | 4,535,000 |
| Interest expense | 462,000 | 973,000 | 1,559,000 | 2,174,000 |
| Net interest income | 562,000 | 1,121,000 | 1,721,000 | 2,361,000 |
| Noninterest income | 60,000 | 128,000 | 187,000 | 259,000 |
| Noninterest expense | 391,000 | 799,000 | 1,199,000 | 1,595,000 |
| Provision for loan losses | 54,000 | 112,000 | 178,000 | 222,000 |
| Pretax income | 177,000 | 338,000 | 531,000 | 803,000 |
| Income tax | 51,000 | 97,000 | 154,000 | 370,000 |
| Net income | 126,000 | 241,000 | 377,000 | 433,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,412,000 | 5,527,000 | 5,663,000 | 5,719,000 |
| Total capital | 5,966,000 | 6,155,000 | 6,285,000 | 6,368,000 |
| Risk-weighted assets | 44,166,000 | 50,121,000 | 49,678,000 | 51,925,000 |