Call reports 2003
FOUR CORNERS COMMUNITY BANK — 2003
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 60,200,000 | 65,140,000 | 74,434,000 | 77,519,000 |
| Total loans | 30,507,000 | 33,361,000 | 35,048,000 | 36,425,000 |
| Allowance for loan losses | 336,000 | 313,000 | 313,000 | 303,000 |
| Securities available for sale | 19,913,000 | 19,932,000 | 28,270,000 | 29,889,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 54,730,000 | 58,102,000 | 67,512,000 | 70,062,000 |
| Interest-bearing deposits | 38,249,000 | 40,647,000 | 48,510,000 | 50,011,000 |
| Noninterest-bearing deposits | 16,481,000 | 17,455,000 | 19,002,000 | 20,051,000 |
| Equity capital | 5,013,000 | 6,764,000 | 6,688,000 | 7,071,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 793,000 | 1,580,000 | 2,418,000 | 3,369,000 |
| Interest expense | 195,000 | 387,000 | 582,000 | 779,000 |
| Net interest income | 598,000 | 1,193,000 | 1,836,000 | 2,590,000 |
| Noninterest income | 88,000 | 167,000 | 243,000 | 312,000 |
| Noninterest expense | 503,000 | 1,030,000 | 1,512,000 | 2,034,000 |
| Provision for loan losses | 37,000 | 18,000 | 19,000 | 14,000 |
| Pretax income | 377,000 | 543,000 | 779,000 | 1,085,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 377,000 | 543,000 | 779,000 | 1,085,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,999,000 | 6,605,000 | 6,841,000 | 7,147,000 |
| Total capital | 5,335,000 | 6,950,000 | 7,185,000 | 7,496,000 |
| Risk-weighted assets | 35,044,000 | 39,579,000 | 42,795,000 | 43,360,000 |