Call reports 2016
FOUR COUNTY BANK, THE — 2016
What FOUR COUNTY BANK, THE reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 65,189,000 | 63,255,000 | 64,924,000 | 66,569,000 |
| Total loans | 44,973,000 | 46,526,000 | 46,038,000 | 46,718,000 |
| Allowance for loan losses | 869,000 | 933,000 | 953,000 | 923,000 |
| Securities available for sale | 11,837,000 | 11,564,000 | 11,120,000 | 11,813,000 |
| Securities held to maturity | 3,000 | 3,000 | 2,000 | 2,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 56,471,000 | 54,823,000 | 55,344,000 | 57,054,000 |
| Interest-bearing deposits | 45,882,000 | 44,723,000 | 44,755,000 | 45,759,000 |
| Noninterest-bearing deposits | 10,589,000 | 10,100,000 | 10,589,000 | 11,295,000 |
| Equity capital | 7,919,000 | 8,310,000 | 8,539,000 | 8,497,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,498,000 | 2,269,000 | 3,047,000 |
| Interest expense | 73,000 | 146,000 | 218,000 | 298,000 |
| Net interest income | 651,000 | 1,352,000 | 2,051,000 | 2,749,000 |
| Noninterest income | 69,000 | 139,000 | 206,000 | 243,000 |
| Noninterest expense | 437,000 | 861,000 | 1,317,000 | 1,735,000 |
| Provision for loan losses | 40,000 | 90,000 | 130,000 | 163,000 |
| Pretax income | 243,000 | 540,000 | 810,000 | 1,094,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 243,000 | 540,000 | 810,000 | 1,094,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,758,000 | 8,055,000 | 8,325,000 | 8,610,000 |
| Total capital | 8,293,000 | 8,610,000 | 8,875,000 | 9,175,000 |
| Risk-weighted assets | 42,498,000 | 43,985,000 | 43,627,000 | 44,862,000 |