Call reports 2011
FOUR COUNTY BANK, THE — 2011
What FOUR COUNTY BANK, THE reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 68,144,000 | 67,630,000 | 63,058,000 | 62,101,000 |
| Total loans | 47,605,000 | 46,243,000 | 45,517,000 | 44,072,000 |
| Allowance for loan losses | 1,461,000 | 1,480,000 | 1,397,000 | 1,185,000 |
| Securities available for sale | 5,755,000 | 6,151,000 | 5,563,000 | 6,016,000 |
| Securities held to maturity | 10,000 | 10,000 | 10,000 | 10,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,882,000 | 60,072,000 | 55,437,000 | 54,638,000 |
| Interest-bearing deposits | 51,853,000 | 50,924,000 | 49,367,000 | 48,767,000 |
| Noninterest-bearing deposits | 11,029,000 | 9,148,000 | 6,070,000 | 5,871,000 |
| Equity capital | 3,119,000 | 5,361,000 | 5,507,000 | 5,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 795,000 | 1,563,000 | 2,365,000 | 3,058,000 |
| Interest expense | 233,000 | 444,000 | 634,000 | 805,000 |
| Net interest income | 562,000 | 1,119,000 | 1,731,000 | 2,253,000 |
| Noninterest income | -46,000 | 28,000 | 100,000 | 115,000 |
| Noninterest expense | 442,000 | 894,000 | 1,333,000 | 1,793,000 |
| Provision for loan losses | 420,000 | 510,000 | 645,000 | 860,000 |
| Pretax income | -343,000 | -254,000 | -143,000 | -277,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -343,000 | -254,000 | -143,000 | -277,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,119,000 | 5,318,000 | 5,429,000 | 5,295,000 |
| Total capital | 3,703,000 | 5,919,000 | 5,991,000 | 5,833,000 |
| Risk-weighted assets | 45,837,000 | 47,226,000 | 44,099,000 | 42,374,000 |