Call reports 2019
FOUR COUNTY BANK, THE — 2019
What FOUR COUNTY BANK, THE reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 71,526,000 | 70,140,000 | 70,910,000 | 72,288,000 |
| Total loans | 51,252,000 | 52,215,000 | 52,551,000 | 55,284,000 |
| Allowance for loan losses | 1,115,000 | 1,147,000 | 1,193,000 | 1,204,000 |
| Securities available for sale | 11,488,000 | 11,626,000 | 11,430,000 | 11,469,000 |
| Securities held to maturity | 1,000 | 1,000 | 1,000 | 1,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,770,000 | 59,859,000 | 60,168,000 | 61,222,000 |
| Interest-bearing deposits | 49,058,000 | 48,509,000 | 48,922,000 | 48,921,000 |
| Noninterest-bearing deposits | 12,712,000 | 11,350,000 | 11,246,000 | 12,301,000 |
| Equity capital | 9,607,000 | 10,101,000 | 10,500,000 | 10,845,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 896,000 | 1,828,000 | 2,776,000 | 3,735,000 |
| Interest expense | 142,000 | 301,000 | 471,000 | 646,000 |
| Net interest income | 754,000 | 1,527,000 | 2,305,000 | 3,089,000 |
| Noninterest income | 66,000 | 147,000 | 234,000 | 308,000 |
| Noninterest expense | 482,000 | 950,000 | 1,441,000 | 1,921,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 105,000 |
| Pretax income | 308,000 | 664,000 | 1,008,000 | 1,371,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 308,000 | 664,000 | 1,008,000 | 1,371,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,685,000 | 10,041,000 | 10,385,000 | 10,748,000 |
| Total capital | 10,294,000 | 10,662,000 | 11,009,000 | 11,409,000 |
| Risk-weighted assets | 48,152,000 | 49,157,000 | 49,384,000 | 52,345,000 |