Call reports 2019
FOURTH CAPITAL BANK — 2019
What FOURTH CAPITAL BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 274,720,000 | 274,882,000 | 265,923,000 | 254,038,000 |
| Total loans | 214,924,000 | 212,909,000 | 206,156,000 | 209,184,000 |
| Allowance for loan losses | 2,210,000 | 2,291,000 | 2,401,000 | 2,291,000 |
| Securities available for sale | 42,651,000 | 40,953,000 | 2,000,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 249,731,000 | 247,935,000 | 240,533,000 | 229,084,000 |
| Interest-bearing deposits | 222,452,000 | 220,459,000 | 211,603,000 | 194,028,000 |
| Noninterest-bearing deposits | 27,279,000 | 27,476,000 | 28,930,000 | 35,056,000 |
| Equity capital | 23,070,000 | 23,983,000 | 23,397,000 | 22,915,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,198,000 | 6,550,000 | 9,751,000 | 12,754,000 |
| Interest expense | 825,000 | 1,794,000 | 2,703,000 | 3,565,000 |
| Net interest income | 2,373,000 | 4,756,000 | 7,048,000 | 9,189,000 |
| Noninterest income | 98,000 | 287,000 | 263,000 | 454,000 |
| Noninterest expense | 1,946,000 | 4,044,000 | 6,128,000 | 8,987,000 |
| Provision for loan losses | 185,000 | 265,000 | 1,873,000 | 1,951,000 |
| Pretax income | 340,000 | 734,000 | -491,000 | -1,001,000 |
| Income tax | 22,000 | 48,000 | -34,000 | -62,000 |
| Net income | 318,000 | 686,000 | -457,000 | -939,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,372,000 | 23,741,000 | 23,397,000 | 22,915,000 |
| Total capital | 25,582,000 | 26,032,000 | 25,799,000 | 25,206,000 |
| Risk-weighted assets | 236,471,000 | 235,377,000 | 229,631,000 | 226,514,000 |