Call reports 2025
FOUR COUNTY BANK, THE — 2025
What FOUR COUNTY BANK, THE reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 89,607,000 | 88,886,000 | 90,633,000 | 91,656,000 |
| Total loans | 61,613,000 | 60,554,000 | 60,356,000 | 61,384,000 |
| Allowance for loan losses | 1,396,000 | 1,355,000 | 1,354,000 | 1,371,000 |
| Securities available for sale | 11,140,000 | 11,498,000 | 11,997,000 | 11,772,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 79,147,000 | 77,822,000 | 78,923,000 | 79,530,000 |
| Interest-bearing deposits | 61,820,000 | 61,317,000 | 62,315,000 | 62,652,000 |
| Noninterest-bearing deposits | 17,327,000 | 16,505,000 | 16,608,000 | 16,878,000 |
| Equity capital | 10,036,000 | 10,612,000 | 11,187,000 | 11,708,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,410,000 | 2,885,000 | 4,363,000 | 5,858,000 |
| Interest expense | 506,000 | 987,000 | 1,470,000 | 1,937,000 |
| Net interest income | 904,000 | 1,898,000 | 2,893,000 | 3,921,000 |
| Noninterest income | 54,000 | 111,000 | 172,000 | 223,000 |
| Noninterest expense | 590,000 | 1,246,000 | 1,895,000 | 2,515,000 |
| Provision for loan losses | 30,000 | -40,000 | -40,000 | -10,000 |
| Pretax income | 338,000 | 818,000 | 1,225,000 | 1,648,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 338,000 | 818,000 | 1,225,000 | 1,648,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,402,000 | 11,882,000 | 12,288,000 | 12,712,000 |