Call reports 2010
FOUR CORNERS COMMUNITY BANK — 2010
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 199,365,000 | 202,962,000 | 210,159,000 | 209,463,000 |
| Total loans | 127,688,000 | 124,030,000 | 122,916,000 | 124,507,000 |
| Allowance for loan losses | 1,934,000 | 2,066,000 | 2,242,000 | 2,232,000 |
| Securities available for sale | 40,122,000 | 43,209,000 | 54,112,000 | 58,146,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 153,621,000 | 156,365,000 | 164,236,000 | 162,276,000 |
| Interest-bearing deposits | 114,979,000 | 116,743,000 | 121,534,000 | 123,743,000 |
| Noninterest-bearing deposits | 38,642,000 | 39,622,000 | 42,702,000 | 38,533,000 |
| Equity capital | 18,147,000 | 19,145,000 | 19,941,000 | 18,469,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,699,000 | 5,222,000 | 7,678,000 | 10,173,000 |
| Interest expense | 514,000 | 1,026,000 | 1,481,000 | 1,936,000 |
| Net interest income | 2,185,000 | 4,196,000 | 6,197,000 | 8,237,000 |
| Noninterest income | 197,000 | 407,000 | 581,000 | 793,000 |
| Noninterest expense | 1,120,000 | 2,260,000 | 3,388,000 | 4,566,000 |
| Provision for loan losses | 300,000 | 440,000 | 660,000 | 1,060,000 |
| Pretax income | 962,000 | 1,903,000 | 2,730,000 | 3,404,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 962,000 | 1,903,000 | 2,730,000 | 3,404,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 18,103,000 | 18,561,000 | 18,913,000 | 19,171,000 |
| Total capital | 19,699,000 | 20,132,000 | 20,498,000 | 20,807,000 |
| Risk-weighted assets | 127,366,000 | 125,175,000 | 126,174,000 | 130,257,000 |