Call reports 2018
FOURTH CAPITAL BANK — 2018
What FOURTH CAPITAL BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 251,615,000 | 253,453,000 | 277,155,000 | 258,331,000 |
| Total loans | 175,717,000 | 186,812,000 | 188,943,000 | 195,783,000 |
| Allowance for loan losses | 1,788,000 | 1,925,000 | 1,952,000 | 2,023,000 |
| Securities available for sale | 44,959,000 | 43,781,000 | 39,993,000 | 42,882,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 230,011,000 | 231,758,000 | 253,692,000 | 234,140,000 |
| Interest-bearing deposits | 188,824,000 | 197,573,000 | 221,165,000 | 206,195,000 |
| Noninterest-bearing deposits | 41,187,000 | 34,185,000 | 32,527,000 | 27,945,000 |
| Equity capital | 20,022,000 | 20,043,000 | 21,507,000 | 22,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 2,603,000 | 5,333,000 | 8,300,000 | 11,328,000 |
| Interest expense | 469,000 | 983,000 | 1,611,000 | 2,305,000 |
| Net interest income | 2,134,000 | 4,350,000 | 6,689,000 | 9,023,000 |
| Noninterest income | 54,000 | 143,000 | 577,000 | 826,000 |
| Noninterest expense | 1,770,000 | 3,657,000 | 5,737,000 | 7,686,000 |
| Provision for loan losses | 1,239,000 | 1,376,000 | 1,401,000 | 1,471,000 |
| Pretax income | -821,000 | -540,000 | 123,000 | 687,000 |
| Income tax | -57,000 | -41,000 | 2,000 | 36,000 |
| Net income | -764,000 | -499,000 | 121,000 | 651,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,738,000 | 21,005,000 | 22,525,000 | 23,054,000 |
| Total capital | 22,526,000 | 22,930,000 | 24,477,000 | 25,077,000 |
| Risk-weighted assets | 194,636,000 | 213,497,000 | 216,276,000 | 217,797,000 |