Call reports 2010
FOUR COUNTY BANK, THE — 2010
What FOUR COUNTY BANK, THE reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 73,761,000 | 72,822,000 | 68,573,000 | 66,727,000 |
| Total loans | 57,506,000 | 55,940,000 | 53,050,000 | 51,241,000 |
| Allowance for loan losses | 1,822,000 | 1,861,000 | 1,192,000 | 1,157,000 |
| Securities available for sale | 6,495,000 | 5,976,000 | 5,304,000 | 5,028,000 |
| Securities held to maturity | 13,000 | 13,000 | 12,000 | 11,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 67,746,000 | 66,907,000 | 62,775,000 | 61,095,000 |
| Interest-bearing deposits | 62,116,000 | 61,334,000 | 56,777,000 | 55,329,000 |
| Noninterest-bearing deposits | 5,630,000 | 5,573,000 | 5,998,000 | 5,766,000 |
| Equity capital | 3,801,000 | 3,675,000 | 3,603,000 | 3,466,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 1,000,000 | 1,930,000 | 2,853,000 | 3,692,000 |
| Interest expense | 380,000 | 746,000 | 1,081,000 | 1,336,000 |
| Net interest income | 620,000 | 1,184,000 | 1,772,000 | 2,356,000 |
| Noninterest income | 33,000 | 97,000 | 154,000 | 120,000 |
| Noninterest expense | 463,000 | 985,000 | 1,396,000 | 1,843,000 |
| Provision for loan losses | 150,000 | 395,000 | 699,000 | 874,000 |
| Pretax income | 40,000 | -99,000 | -169,000 | -241,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 40,000 | -99,000 | -169,000 | -241,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,743,000 | 3,604,000 | 3,534,000 | 3,462,000 |
| Total capital | 4,430,000 | 4,251,000 | 4,166,000 | 4,086,000 |
| Risk-weighted assets | 53,790,000 | 50,583,000 | 50,014,000 | 49,417,000 |