Call reports 2021
FOUR COUNTY BANK, THE — 2021
What FOUR COUNTY BANK, THE reported to the FFIEC in 2021, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Total assets | 80,458,000 | 82,848,000 | 83,878,000 | 84,971,000 |
| Total loans | 55,877,000 | 56,370,000 | 56,725,000 | 57,547,000 |
| Allowance for loan losses | 1,175,000 | 1,155,000 | 1,185,000 | 1,199,000 |
| Securities available for sale | 12,835,000 | 13,762,000 | 13,077,000 | 13,313,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,856,000 | 71,783,000 | 72,507,000 | 73,361,000 |
| Interest-bearing deposits | 53,879,000 | 56,041,000 | 57,165,000 | 56,895,000 |
| Noninterest-bearing deposits | 15,977,000 | 15,742,000 | 15,342,000 | 16,466,000 |
| Equity capital | 10,483,000 | 10,904,000 | 11,156,000 | 11,436,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Interest income | 875,000 | 1,771,000 | 2,685,000 | 3,574,000 |
| Interest expense | 103,000 | 198,000 | 288,000 | 378,000 |
| Net interest income | 772,000 | 1,573,000 | 2,397,000 | 3,196,000 |
| Noninterest income | 66,000 | 122,000 | 180,000 | 243,000 |
| Noninterest expense | 460,000 | 984,000 | 1,490,000 | 2,032,000 |
| Provision for loan losses | 0 | 15,000 | 35,000 | 45,000 |
| Pretax income | 378,000 | 696,000 | 1,052,000 | 1,362,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 378,000 | 696,000 | 1,052,000 | 1,362,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2021Q1 | 2021Q2 | 2021Q3 | 2021Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,372,000 | 10,690,000 | 11,046,000 | 11,356,000 |