Call reports 2006
FOUR CORNERS COMMUNITY BANK — 2006
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 114,587,000 | 122,057,000 | 129,906,000 | 129,300,000 |
| Total loans | 70,296,000 | 74,099,000 | 80,049,000 | 81,844,000 |
| Allowance for loan losses | 457,000 | 466,000 | 495,000 | 419,000 |
| Securities available for sale | 31,609,000 | 31,152,000 | 31,143,000 | 31,139,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,938,000 | 104,395,000 | 99,456,000 | 96,738,000 |
| Interest-bearing deposits | 64,347,000 | 62,050,000 | 55,698,000 | 58,836,000 |
| Noninterest-bearing deposits | 31,591,000 | 42,345,000 | 43,758,000 | 37,902,000 |
| Equity capital | 8,291,000 | 8,595,000 | 9,700,000 | 10,369,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,684,000 | 3,496,000 | 5,446,000 | 7,534,000 |
| Interest expense | 488,000 | 1,000,000 | 1,488,000 | 1,940,000 |
| Net interest income | 1,196,000 | 2,496,000 | 3,958,000 | 5,594,000 |
| Noninterest income | 150,000 | 299,000 | 438,000 | 575,000 |
| Noninterest expense | 704,000 | 1,534,000 | 2,460,000 | 3,542,000 |
| Provision for loan losses | 20,000 | 72,000 | 102,000 | 239,000 |
| Pretax income | 622,000 | 1,189,000 | 1,834,000 | 2,388,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 622,000 | 1,189,000 | 1,834,000 | 2,388,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,205,000 | 9,771,000 | 10,418,000 | 10,972,000 |
| Total capital | 9,662,000 | 10,237,000 | 10,913,000 | 11,391,000 |
| Risk-weighted assets | 89,159,000 | 84,183,000 | 89,793,000 | 93,024,000 |