Call reports 2023
FOUR COUNTY BANK, THE — 2023
What FOUR COUNTY BANK, THE reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 88,239,000 | 89,096,000 | 88,876,000 | 87,235,000 |
| Total loans | 62,288,000 | 61,556,000 | 61,936,000 | 62,464,000 |
| Allowance for loan losses | 1,204,000 | 1,282,000 | 1,310,000 | 1,344,000 |
| Securities available for sale | 13,140,000 | 13,025,000 | 12,794,000 | 14,071,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 78,929,000 | 79,476,000 | 79,264,000 | 76,507,000 |
| Interest-bearing deposits | 61,951,000 | 61,733,000 | 61,283,000 | 59,015,000 |
| Noninterest-bearing deposits | 16,978,000 | 17,743,000 | 17,981,000 | 17,492,000 |
| Equity capital | 9,005,000 | 9,253,000 | 9,183,000 | 10,357,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,158,000 | 2,379,000 | 3,698,000 | 5,054,000 |
| Interest expense | 217,000 | 572,000 | 971,000 | 1,384,000 |
| Net interest income | 941,000 | 1,807,000 | 2,727,000 | 3,670,000 |
| Noninterest income | 55,000 | 124,000 | 187,000 | 253,000 |
| Noninterest expense | 549,000 | 1,089,000 | 1,631,000 | 2,192,000 |
| Provision for loan losses | 20,000 | 50,000 | 90,000 | 130,000 |
| Pretax income | 427,000 | 792,000 | 1,193,000 | 1,601,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 427,000 | 792,000 | 1,193,000 | 1,601,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,708,000 | 11,073,000 | 11,474,000 | 11,882,000 |