Call reports 2013
FOUR COUNTY BANK, THE — 2013
What FOUR COUNTY BANK, THE reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 60,652,000 | 61,630,000 | 61,980,000 | 61,299,000 |
| Total loans | 39,304,000 | 39,601,000 | 41,312,000 | 39,824,000 |
| Allowance for loan losses | 1,132,000 | 1,167,000 | 1,210,000 | 1,013,000 |
| Securities available for sale | 5,317,000 | 6,471,000 | 7,712,000 | 9,444,000 |
| Securities held to maturity | 7,000 | 6,000 | 6,000 | 6,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,418,000 | 55,381,000 | 55,509,000 | 54,899,000 |
| Interest-bearing deposits | 47,127,000 | 47,451,000 | 46,364,000 | 45,291,000 |
| Noninterest-bearing deposits | 7,291,000 | 7,930,000 | 9,145,000 | 9,608,000 |
| Equity capital | 6,126,000 | 6,061,000 | 6,284,000 | 6,338,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 639,000 | 1,294,000 | 1,988,000 | 2,659,000 |
| Interest expense | 118,000 | 224,000 | 321,000 | 404,000 |
| Net interest income | 521,000 | 1,070,000 | 1,667,000 | 2,255,000 |
| Noninterest income | 60,000 | 64,000 | 112,000 | 176,000 |
| Noninterest expense | 370,000 | 755,000 | 1,123,000 | 1,549,000 |
| Provision for loan losses | 45,000 | 75,000 | 120,000 | 180,000 |
| Pretax income | 164,000 | 317,000 | 549,000 | 715,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 164,000 | 317,000 | 549,000 | 715,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,032,000 | 6,186,000 | 6,418,000 | 6,583,000 |
| Total capital | 6,523,000 | 6,687,000 | 6,933,000 | 7,102,000 |
| Risk-weighted assets | 38,601,000 | 39,432,000 | 40,520,000 | 41,043,000 |