Call reports 2015
FOUR COUNTY BANK, THE — 2015
What FOUR COUNTY BANK, THE reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 59,532,000 | 60,704,000 | 60,788,000 | 64,887,000 |
| Total loans | 41,590,000 | 43,391,000 | 44,117,000 | 45,175,000 |
| Allowance for loan losses | 1,071,000 | 1,125,000 | 1,157,000 | 1,123,000 |
| Securities available for sale | 13,410,000 | 12,722,000 | 12,542,000 | 12,013,000 |
| Securities held to maturity | 4,000 | 4,000 | 4,000 | 3,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,130,000 | 52,592,000 | 52,232,000 | 56,284,000 |
| Interest-bearing deposits | 42,626,000 | 43,227,000 | 41,637,000 | 45,563,000 |
| Noninterest-bearing deposits | 9,504,000 | 9,365,000 | 10,595,000 | 10,721,000 |
| Equity capital | 7,149,000 | 7,298,000 | 7,696,000 | 7,832,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 667,000 | 1,384,000 | 2,118,000 | 2,852,000 |
| Interest expense | 61,000 | 124,000 | 190,000 | 260,000 |
| Net interest income | 606,000 | 1,260,000 | 1,928,000 | 2,592,000 |
| Noninterest income | 64,000 | 138,000 | 213,000 | 257,000 |
| Noninterest expense | 447,000 | 866,000 | 1,315,000 | 1,730,000 |
| Provision for loan losses | 30,000 | 55,000 | 80,000 | 120,000 |
| Pretax income | 193,000 | 477,000 | 746,000 | 1,016,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 193,000 | 477,000 | 746,000 | 1,016,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,055,000 | 7,298,000 | 7,581,000 | 7,832,000 |
| Total capital | 7,585,000 | 7,813,000 | 8,091,000 | 8,364,000 |
| Risk-weighted assets | 41,862,000 | 40,583,000 | 40,191,000 | 41,928,000 |