Call reports 2020
FOURTH CAPITAL BANK — 2020
What FOURTH CAPITAL BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 272,173,000 | 326,867,000 | 339,046,000 | 313,700,000 |
| Total loans | 216,287,000 | 217,422,000 | 227,456,000 | 220,818,000 |
| Allowance for loan losses | 2,381,000 | 3,208,000 | 3,294,000 | 3,162,000 |
| Securities available for sale | 4,449,000 | 13,391,000 | 13,360,000 | 20,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,077,000 | 273,228,000 | 286,040,000 | 266,915,000 |
| Interest-bearing deposits | 198,259,000 | 223,655,000 | 238,063,000 | 225,810,000 |
| Noninterest-bearing deposits | 41,818,000 | 49,573,000 | 47,977,000 | 41,105,000 |
| Equity capital | 30,601,000 | 29,432,000 | 28,545,000 | 27,639,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 2,850,000 | 5,652,000 | 8,543,000 | 11,687,000 |
| Interest expense | 829,000 | 1,451,000 | 2,015,000 | 2,422,000 |
| Net interest income | 2,021,000 | 4,201,000 | 6,528,000 | 9,265,000 |
| Noninterest income | 70,000 | 143,000 | 213,000 | 296,000 |
| Noninterest expense | 2,548,000 | 5,262,000 | 8,568,000 | 12,332,000 |
| Provision for loan losses | 88,000 | 970,000 | 1,055,000 | 1,055,000 |
| Pretax income | -545,000 | -1,888,000 | -2,751,000 | -3,695,000 |
| Income tax | -34,000 | -117,000 | -178,000 | -240,000 |
| Net income | -511,000 | -1,771,000 | -2,573,000 | -3,455,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,603,000 | 29,345,000 | 28,543,000 | 27,660,000 |