Call reports 2005
FOUR CORNERS COMMUNITY BANK — 2005
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 95,139,000 | 101,486,000 | 108,063,000 | 113,068,000 |
| Total loans | 52,931,000 | 61,585,000 | 65,385,000 | 70,611,000 |
| Allowance for loan losses | 523,000 | 524,000 | 534,000 | 452,000 |
| Securities available for sale | 31,875,000 | 32,856,000 | 32,386,000 | 31,822,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,581,000 | 84,982,000 | 91,966,000 | 98,962,000 |
| Interest-bearing deposits | 61,766,000 | 58,837,000 | 61,544,000 | 64,627,000 |
| Noninterest-bearing deposits | 24,815,000 | 26,145,000 | 30,422,000 | 34,335,000 |
| Equity capital | 7,313,000 | 8,347,000 | 8,686,000 | 8,634,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,255,000 | 2,604,000 | 4,130,000 | 5,777,000 |
| Interest expense | 254,000 | 552,000 | 951,000 | 1,378,000 |
| Net interest income | 1,001,000 | 2,052,000 | 3,179,000 | 4,399,000 |
| Noninterest income | 87,000 | 196,000 | 302,000 | 424,000 |
| Noninterest expense | 598,000 | 1,265,000 | 1,958,000 | 2,688,000 |
| Provision for loan losses | 0 | 0 | 11,000 | 330,000 |
| Pretax income | 490,000 | 983,000 | 1,512,000 | 1,805,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 490,000 | 983,000 | 1,512,000 | 1,805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,167,000 | 8,659,000 | 9,189,000 | 9,482,000 |
| Total capital | 8,690,000 | 9,183,000 | 9,723,000 | 9,934,000 |
| Risk-weighted assets | 62,131,000 | 70,440,000 | 74,791,000 | 83,450,000 |