Call reports 2018
FOUR COUNTY BANK, THE — 2018
What FOUR COUNTY BANK, THE reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 68,249,000 | 66,438,000 | 69,034,000 | 71,404,000 |
| Total loans | 47,159,000 | 49,141,000 | 50,896,000 | 52,350,000 |
| Allowance for loan losses | 1,024,000 | 1,034,000 | 1,043,000 | 1,075,000 |
| Securities available for sale | 12,682,000 | 12,087,000 | 11,806,000 | 11,434,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,249,000 | 57,131,000 | 58,661,000 | 60,528,000 |
| Interest-bearing deposits | 47,138,000 | 45,690,000 | 46,792,000 | 48,061,000 |
| Noninterest-bearing deposits | 12,111,000 | 11,441,000 | 11,869,000 | 12,467,000 |
| Equity capital | 8,921,000 | 9,194,000 | 9,447,000 | 9,974,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 796,000 | 1,629,000 | 2,507,000 | 3,426,000 |
| Interest expense | 83,000 | 178,000 | 285,000 | 414,000 |
| Net interest income | 713,000 | 1,451,000 | 2,222,000 | 3,012,000 |
| Noninterest income | 66,000 | 138,000 | 206,000 | 270,000 |
| Noninterest expense | 461,000 | 900,000 | 1,388,000 | 1,850,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 120,000 |
| Pretax income | 288,000 | 629,000 | 950,000 | 1,312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 288,000 | 629,000 | 950,000 | 1,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,186,000 | 9,527,000 | 9,848,000 | 10,211,000 |
| Total capital | 9,759,000 | 10,113,000 | 10,456,000 | 10,835,000 |
| Risk-weighted assets | 45,403,000 | 46,452,000 | 48,253,000 | 49,542,000 |