Call reports 2008
FOUR CORNERS COMMUNITY BANK — 2008
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 154,151,000 | 163,024,000 | 168,764,000 | 181,935,000 |
| Total loans | 96,641,000 | 114,696,000 | 119,212,000 | 125,692,000 |
| Allowance for loan losses | 520,000 | 622,000 | 712,000 | 946,000 |
| Securities available for sale | 39,733,000 | 35,468,000 | 35,286,000 | 34,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 118,932,000 | 121,723,000 | 132,684,000 | 139,722,000 |
| Interest-bearing deposits | 77,901,000 | 79,111,000 | 88,151,000 | 93,615,000 |
| Noninterest-bearing deposits | 41,031,000 | 42,612,000 | 44,533,000 | 46,107,000 |
| Equity capital | 11,686,000 | 11,483,000 | 12,356,000 | 14,054,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,238,000 | 4,676,000 | 7,254,000 | 9,845,000 |
| Interest expense | 753,000 | 1,504,000 | 2,253,000 | 3,022,000 |
| Net interest income | 1,485,000 | 3,172,000 | 5,001,000 | 6,823,000 |
| Noninterest income | 171,000 | 349,000 | 552,000 | 754,000 |
| Noninterest expense | 998,000 | 1,978,000 | 3,019,000 | 4,139,000 |
| Provision for loan losses | 0 | 81,000 | 162,000 | 612,000 |
| Pretax income | 658,000 | 1,534,000 | 2,444,000 | 2,898,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 658,000 | 1,534,000 | 2,444,000 | 2,898,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,253,000 | 12,129,000 | 13,039,000 | 13,494,000 |
| Total capital | 11,773,000 | 12,751,000 | 13,751,000 | 14,441,000 |
| Risk-weighted assets | 106,297,000 | 122,280,000 | 125,210,000 | 136,272,000 |