Call reports 2009
FOUR CORNERS COMMUNITY BANK — 2009
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 193,370,000 | 206,987,000 | 208,980,000 | 194,697,000 |
| Total loans | 127,302,000 | 127,759,000 | 132,115,000 | 129,589,000 |
| Allowance for loan losses | 1,244,000 | 1,367,000 | 1,428,000 | 1,627,000 |
| Securities available for sale | 36,311,000 | 46,084,000 | 54,236,000 | 44,952,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 148,970,000 | 165,046,000 | 165,031,000 | 149,159,000 |
| Interest-bearing deposits | 101,094,000 | 116,576,000 | 115,565,000 | 110,249,000 |
| Noninterest-bearing deposits | 47,876,000 | 48,470,000 | 49,466,000 | 38,910,000 |
| Equity capital | 12,999,000 | 12,597,000 | 14,273,000 | 17,394,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 2,549,000 | 5,196,000 | 8,002,000 | 10,782,000 |
| Interest expense | 709,000 | 1,398,000 | 2,090,000 | 2,683,000 |
| Net interest income | 1,840,000 | 3,798,000 | 5,912,000 | 8,099,000 |
| Noninterest income | 202,000 | 417,000 | 651,000 | 865,000 |
| Noninterest expense | 1,168,000 | 2,392,000 | 3,521,000 | 4,671,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 574,000 | 1,223,000 | 2,160,000 | 3,226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 574,000 | 1,223,000 | 2,160,000 | 3,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,333,000 | 12,982,000 | 13,920,000 | 17,669,000 |
| Total capital | 13,577,000 | 14,349,000 | 15,348,000 | 19,297,000 |
| Risk-weighted assets | 131,749,000 | 134,698,000 | 136,282,000 | 132,623,000 |