Call reports 2004
FOUR CORNERS COMMUNITY BANK — 2004
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 81,961,000 | 88,372,000 | 95,260,000 | 92,846,000 |
| Total loans | 37,332,000 | 45,776,000 | 50,933,000 | 55,005,000 |
| Allowance for loan losses | 324,000 | 379,000 | 423,000 | 523,000 |
| Securities available for sale | 28,217,000 | 32,681,000 | 33,220,000 | 32,402,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 74,307,000 | 81,332,000 | 83,073,000 | 79,818,000 |
| Interest-bearing deposits | 51,599,000 | 55,594,000 | 55,554,000 | 59,521,000 |
| Noninterest-bearing deposits | 22,708,000 | 25,738,000 | 27,519,000 | 20,297,000 |
| Equity capital | 7,168,000 | 6,681,000 | 7,959,000 | 8,244,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 952,000 | 2,013,000 | 3,215,000 | 4,470,000 |
| Interest expense | 196,000 | 409,000 | 631,000 | 870,000 |
| Net interest income | 756,000 | 1,604,000 | 2,584,000 | 3,600,000 |
| Noninterest income | 83,000 | 174,000 | 267,000 | 359,000 |
| Noninterest expense | 495,000 | 1,035,000 | 1,594,000 | 2,185,000 |
| Provision for loan losses | 19,000 | 84,000 | 123,000 | 173,000 |
| Pretax income | 346,000 | 659,000 | 1,134,000 | 1,602,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 346,000 | 659,000 | 1,134,000 | 1,602,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,964,000 | 7,530,000 | 8,005,000 | 8,473,000 |
| Total capital | 7,342,000 | 7,959,000 | 8,476,000 | 8,997,000 |
| Risk-weighted assets | 45,431,000 | 55,531,000 | 59,039,000 | 62,925,000 |