Call reports 2014
FOUR COUNTY BANK, THE — 2014
What FOUR COUNTY BANK, THE reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 60,585,000 | 59,529,000 | 59,413,000 | 59,846,000 |
| Total loans | 40,533,000 | 40,208,000 | 40,575,000 | 40,178,000 |
| Allowance for loan losses | 1,060,000 | 1,104,000 | 1,116,000 | 1,092,000 |
| Securities available for sale | 11,557,000 | 11,705,000 | 12,102,000 | 13,290,000 |
| Securities held to maturity | 5,000 | 5,000 | 4,000 | 4,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,096,000 | 52,699,000 | 52,365,000 | 51,839,000 |
| Interest-bearing deposits | 44,534,000 | 43,726,000 | 43,509,000 | 42,625,000 |
| Noninterest-bearing deposits | 9,562,000 | 8,973,000 | 8,856,000 | 9,214,000 |
| Equity capital | 6,361,000 | 6,701,000 | 6,865,000 | 7,193,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 665,000 | 1,351,000 | 2,042,000 | 2,727,000 |
| Interest expense | 72,000 | 140,000 | 207,000 | 269,000 |
| Net interest income | 593,000 | 1,211,000 | 1,835,000 | 2,458,000 |
| Noninterest income | 61,000 | 99,000 | 113,000 | 150,000 |
| Noninterest expense | 386,000 | 796,000 | 1,221,000 | 1,605,000 |
| Provision for loan losses | 45,000 | 85,000 | 125,000 | 165,000 |
| Pretax income | 223,000 | 429,000 | 605,000 | 838,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 223,000 | 429,000 | 605,000 | 838,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,521,000 | 6,726,000 | 6,902,000 | 7,135,000 |
| Total capital | 7,059,000 | 7,259,000 | 7,436,000 | 7,668,000 |
| Risk-weighted assets | 42,552,000 | 42,102,000 | 42,142,000 | 42,077,000 |