Call reports 2012
FOUR CORNERS COMMUNITY BANK — 2012
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 216,998,000 | 214,074,000 | 215,701,000 | 221,143,000 |
| Total loans | 119,032,000 | 118,734,000 | 112,244,000 | 118,182,000 |
| Allowance for loan losses | 2,377,000 | 2,675,000 | 2,734,000 | 3,035,000 |
| Securities available for sale | 77,477,000 | 72,887,000 | 88,188,000 | 83,775,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 165,972,000 | 161,394,000 | 163,618,000 | 168,236,000 |
| Interest-bearing deposits | 122,934,000 | 120,623,000 | 119,485,000 | 120,843,000 |
| Noninterest-bearing deposits | 43,038,000 | 40,771,000 | 44,133,000 | 47,393,000 |
| Equity capital | 21,566,000 | 22,916,000 | 22,907,000 | 23,434,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 2,429,000 | 4,801,000 | 6,990,000 | 9,185,000 |
| Interest expense | 333,000 | 643,000 | 931,000 | 1,206,000 |
| Net interest income | 2,096,000 | 4,158,000 | 6,059,000 | 7,979,000 |
| Noninterest income | 207,000 | 319,000 | 505,000 | 754,000 |
| Noninterest expense | 1,120,000 | 2,258,000 | 3,346,000 | 4,428,000 |
| Provision for loan losses | 300,000 | 600,000 | 900,000 | 1,200,000 |
| Pretax income | 883,000 | 1,705,000 | 2,404,000 | 3,191,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 883,000 | 1,705,000 | 2,404,000 | 3,191,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,821,000 | 22,201,000 | 22,483,000 | 22,919,000 |
| Total capital | 23,420,000 | 23,753,000 | 24,026,000 | 24,516,000 |
| Risk-weighted assets | 127,126,000 | 123,012,000 | 122,268,000 | 126,335,000 |