Call reports 2007
FOUR CORNERS COMMUNITY BANK — 2007
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 133,681,000 | 142,084,000 | 142,673,000 | 143,021,000 |
| Total loans | 84,916,000 | 83,157,000 | 88,019,000 | 90,916,000 |
| Allowance for loan losses | 443,000 | 472,000 | 506,000 | 525,000 |
| Securities available for sale | 31,395,000 | 31,663,000 | 32,149,000 | 34,302,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,877,000 | 107,187,000 | 106,629,000 | 109,429,000 |
| Interest-bearing deposits | 60,157,000 | 64,774,000 | 66,512,000 | 72,146,000 |
| Noninterest-bearing deposits | 38,720,000 | 42,413,000 | 40,117,000 | 37,283,000 |
| Equity capital | 9,871,000 | 10,433,000 | 11,416,000 | 11,784,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 2,049,000 | 4,239,000 | 6,494,000 | 8,764,000 |
| Interest expense | 695,000 | 1,465,000 | 2,306,000 | 3,124,000 |
| Net interest income | 1,354,000 | 2,774,000 | 4,188,000 | 5,640,000 |
| Noninterest income | 147,000 | 301,000 | 467,000 | 636,000 |
| Noninterest expense | 862,000 | 1,743,000 | 2,676,000 | 4,102,000 |
| Provision for loan losses | 22,000 | 22,000 | 22,000 | 162,000 |
| Pretax income | 617,000 | 1,310,000 | 1,957,000 | 2,012,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 617,000 | 1,310,000 | 1,957,000 | 2,012,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,409,000 | 11,102,000 | 11,749,000 | 11,803,000 |
| Total capital | 10,851,000 | 11,574,000 | 12,255,000 | 12,328,000 |
| Risk-weighted assets | 97,662,000 | 95,538,000 | 98,266,000 | 97,436,000 |