Call reports 2009
FOUR COUNTY BANK, THE — 2009
What FOUR COUNTY BANK, THE reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 85,036,000 | 79,794,000 | 81,480,000 | 74,760,000 |
| Total loans | 69,023,000 | 68,691,000 | 66,386,000 | 62,082,000 |
| Allowance for loan losses | 813,000 | 3,026,000 | 2,226,000 | 2,900,000 |
| Securities available for sale | 7,595,000 | 7,181,000 | 6,918,000 | 6,646,000 |
| Securities held to maturity | 16,000 | 15,000 | 14,000 | 14,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 72,633,000 | 71,101,000 | 72,697,000 | 66,794,000 |
| Interest-bearing deposits | 65,642,000 | 64,834,000 | 66,624,000 | 60,902,000 |
| Noninterest-bearing deposits | 6,991,000 | 6,267,000 | 6,073,000 | 5,892,000 |
| Equity capital | 7,173,000 | 4,482,000 | 4,581,000 | 3,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 1,232,000 | 2,389,000 | 3,471,000 | 4,528,000 |
| Interest expense | 608,000 | 1,150,000 | 1,655,000 | 2,112,000 |
| Net interest income | 624,000 | 1,239,000 | 1,816,000 | 2,416,000 |
| Noninterest income | 84,000 | -609,000 | -567,000 | -537,000 |
| Noninterest expense | 436,000 | 893,000 | 1,447,000 | 2,015,000 |
| Provision for loan losses | 125,000 | 2,520,000 | 2,545,000 | 3,901,000 |
| Pretax income | 147,000 | -2,783,000 | -2,743,000 | -4,037,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 147,000 | -2,783,000 | -2,743,000 | -4,037,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,137,000 | 4,456,000 | 4,496,000 | 3,703,000 |
| Total capital | 7,950,000 | 5,266,000 | 5,284,000 | 4,431,000 |
| Risk-weighted assets | 66,841,000 | 62,564,000 | 61,574,000 | 56,106,000 |