Call reports 2023
FOURTH CAPITAL BANK — 2023
What FOURTH CAPITAL BANK 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 | 503,831,000 | 525,028,000 | 573,205,000 | 562,178,000 |
| Total loans | 381,439,000 | 418,069,000 | 416,878,000 | 400,939,000 |
| Allowance for loan losses | 4,295,000 | 5,036,000 | 4,938,000 | 4,769,000 |
| Securities available for sale | 61,509,000 | 56,292,000 | 55,721,000 | 56,766,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 420,421,000 | 443,882,000 | 493,994,000 | 449,080,000 |
| Interest-bearing deposits | 352,491,000 | 382,819,000 | 436,898,000 | 398,624,000 |
| Noninterest-bearing deposits | 67,930,000 | 61,063,000 | 57,096,000 | 50,456,000 |
| Equity capital | 43,208,000 | 41,322,000 | 43,909,000 | 49,700,000 |
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 | 6,436,000 | 13,667,000 | 21,486,000 | 29,441,000 |
| Interest expense | 2,422,000 | 5,711,000 | 9,590,000 | 13,624,000 |
| Net interest income | 4,014,000 | 7,956,000 | 11,896,000 | 15,817,000 |
| Noninterest income | 234,000 | 547,000 | 828,000 | 1,071,000 |
| Noninterest expense | 4,646,000 | 9,323,000 | 16,761,000 | 22,251,000 |
| Provision for loan losses | 546,000 | 3,364,000 | 3,699,000 | 3,650,000 |
| Pretax income | -867,000 | -4,103,000 | -8,245,000 | -9,637,000 |
| Income tax | -53,000 | -259,000 | -524,000 | -610,000 |
| Net income | -814,000 | -3,844,000 | -7,721,000 | -9,027,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,027,000 | 46,247,000 | 49,356,000 | 53,813,000 |
| Total capital | — | — | — | 59,020,000 |
| Risk-weighted assets | — | — | — | 476,163,000 |