Call reports 2020
FOUR COUNTY BANK, THE — 2020
What FOUR COUNTY BANK, THE reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 73,042,000 | 76,402,000 | 77,661,000 | 78,810,000 |
| Total loans | 54,525,000 | 53,756,000 | 54,660,000 | 55,570,000 |
| Allowance for loan losses | 1,193,000 | 1,209,000 | 1,216,000 | 1,218,000 |
| Securities available for sale | 11,003,000 | 11,016,000 | 11,707,000 | 12,809,000 |
| Securities held to maturity | 1,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,380,000 | 65,335,000 | 66,246,000 | 67,159,000 |
| Interest-bearing deposits | 49,835,000 | 51,312,000 | 52,003,000 | 52,794,000 |
| Noninterest-bearing deposits | 12,545,000 | 14,023,000 | 14,243,000 | 14,365,000 |
| Equity capital | 10,495,000 | 10,849,000 | 11,167,000 | 11,522,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 957,000 | 1,875,000 | 2,781,000 | 3,679,000 |
| Interest expense | 173,000 | 336,000 | 487,000 | 613,000 |
| Net interest income | 784,000 | 1,539,000 | 2,294,000 | 3,066,000 |
| Noninterest income | 86,000 | 144,000 | 160,000 | 209,000 |
| Noninterest expense | 525,000 | 1,024,000 | 1,471,000 | 1,961,000 |
| Provision for loan losses | 15,000 | 30,000 | 40,000 | 40,000 |
| Pretax income | 337,000 | 638,000 | 958,000 | 1,289,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 337,000 | 638,000 | 958,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,202,000 | 10,503,000 | 10,823,000 | 11,154,000 |