Call reports 2008
FOUR COUNTY BANK, THE — 2008
What FOUR COUNTY BANK, THE reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 72,349,000 | 76,317,000 | 86,590,000 | 86,325,000 |
| Total loans | 59,925,000 | 62,525,000 | 72,330,000 | 73,130,000 |
| Allowance for loan losses | 670,000 | 710,000 | 731,000 | 782,000 |
| Securities available for sale | 7,862,000 | 8,465,000 | 7,814,000 | 7,724,000 |
| Securities held to maturity | 220,000 | 19,000 | 17,000 | 16,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 65,773,000 | 67,803,000 | 72,640,000 | 72,056,000 |
| Interest-bearing deposits | 59,773,000 | 61,647,000 | 65,495,000 | 65,324,000 |
| Noninterest-bearing deposits | 6,000,000 | 6,156,000 | 7,145,000 | 6,732,000 |
| Equity capital | 6,325,000 | 6,250,000 | 6,465,000 | 6,802,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 1,225,000 | 2,467,000 | 3,780,000 | 5,015,000 |
| Interest expense | 612,000 | 1,227,000 | 1,847,000 | 2,527,000 |
| Net interest income | 613,000 | 1,240,000 | 1,933,000 | 2,488,000 |
| Noninterest income | 74,000 | 144,000 | 222,000 | 296,000 |
| Noninterest expense | 404,000 | 824,000 | 1,261,000 | 1,712,000 |
| Provision for loan losses | 47,000 | 122,000 | 222,000 | 312,000 |
| Pretax income | 236,000 | 438,000 | 672,000 | 760,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 236,000 | 438,000 | 672,000 | 760,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,245,000 | 6,287,000 | 6,401,000 | 6,739,000 |
| Total capital | 6,915,000 | 6,997,000 | 7,132,000 | 7,521,000 |
| Risk-weighted assets | 58,255,000 | 60,253,000 | 69,415,000 | 70,127,000 |