Call reports 2011
FOUR CORNERS COMMUNITY BANK — 2011
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 208,692,000 | 204,171,000 | 212,626,000 | 214,356,000 |
| Total loans | 121,038,000 | 122,678,000 | 121,140,000 | 119,563,000 |
| Allowance for loan losses | 2,359,000 | 2,599,000 | 2,901,000 | 2,135,000 |
| Securities available for sale | 59,947,000 | 57,287,000 | 62,806,000 | 65,684,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,239,000 | 158,739,000 | 165,868,000 | 165,723,000 |
| Interest-bearing deposits | 124,525,000 | 120,909,000 | 120,683,000 | 122,116,000 |
| Noninterest-bearing deposits | 39,714,000 | 37,830,000 | 45,185,000 | 43,607,000 |
| Equity capital | 18,746,000 | 20,759,000 | 21,674,000 | 22,125,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,532,000 | 4,998,000 | 7,452,000 | 9,904,000 |
| Interest expense | 443,000 | 864,000 | 1,214,000 | 1,547,000 |
| Net interest income | 2,089,000 | 4,134,000 | 6,238,000 | 8,357,000 |
| Noninterest income | 221,000 | 412,000 | 627,000 | 760,000 |
| Noninterest expense | 1,157,000 | 2,246,000 | 3,306,000 | 4,373,000 |
| Provision for loan losses | 150,000 | 400,000 | 700,000 | 1,000,000 |
| Pretax income | 1,003,000 | 1,900,000 | 2,859,000 | 4,226,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,003,000 | 1,900,000 | 2,859,000 | 4,226,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,837,000 | 20,231,000 | 20,740,000 | 21,626,000 |
| Total capital | 21,445,000 | 21,845,000 | 22,337,000 | 23,207,000 |
| Risk-weighted assets | 127,854,000 | 128,117,000 | 126,494,000 | 125,925,000 |