Call reports 2012
FOUR COUNTY BANK, THE — 2012
What FOUR COUNTY BANK, THE reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 61,760,000 | 60,660,000 | 60,226,000 | 58,909,000 |
| Total loans | 40,859,000 | 43,017,000 | 42,617,000 | 39,774,000 |
| Allowance for loan losses | 1,223,000 | 1,204,000 | 1,117,000 | 1,134,000 |
| Securities available for sale | 7,635,000 | 7,918,000 | 6,970,000 | 5,830,000 |
| Securities held to maturity | 9,000 | 9,000 | 8,000 | 8,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,025,000 | 54,747,000 | 53,986,000 | 52,543,000 |
| Interest-bearing deposits | 50,001,000 | 49,148,000 | 48,148,000 | 46,560,000 |
| Noninterest-bearing deposits | 6,024,000 | 5,599,000 | 5,838,000 | 5,983,000 |
| Equity capital | 5,633,000 | 5,830,000 | 6,143,000 | 6,265,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 782,000 | 1,495,000 | 2,220,000 | 2,906,000 |
| Interest expense | 156,000 | 303,000 | 442,000 | 569,000 |
| Net interest income | 626,000 | 1,192,000 | 1,778,000 | 2,337,000 |
| Noninterest income | 100,000 | 242,000 | 441,000 | 500,000 |
| Noninterest expense | 416,000 | 849,000 | 1,244,000 | 1,661,000 |
| Provision for loan losses | 80,000 | 160,000 | 250,000 | 320,000 |
| Pretax income | 230,000 | 425,000 | 725,000 | 859,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 230,000 | 425,000 | 725,000 | 859,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,525,000 | 5,721,000 | 6,020,000 | 6,154,000 |
| Total capital | 6,034,000 | 6,246,000 | 6,543,000 | 6,646,000 |
| Risk-weighted assets | 40,025,000 | 41,345,000 | 41,275,000 | 38,682,000 |