Call reports 2014
FOUR CORNERS COMMUNITY BANK — 2014
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 300,489,000 | 301,767,000 | 310,527,000 | 308,995,000 |
| Total loans | 172,663,000 | 188,712,000 | 186,744,000 | 205,449,000 |
| Allowance for loan losses | 3,646,000 | 3,963,000 | 4,119,000 | 4,159,000 |
| Securities available for sale | 85,227,000 | 86,489,000 | 85,370,000 | 83,114,000 |
| Securities held to maturity | 9,313,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 242,469,000 | 240,567,000 | 235,681,000 | 239,251,000 |
| Interest-bearing deposits | 174,138,000 | 170,998,000 | 162,902,000 | 167,212,000 |
| Noninterest-bearing deposits | 68,331,000 | 69,569,000 | 72,779,000 | 72,039,000 |
| Equity capital | 26,071,000 | 28,237,000 | 29,097,000 | 30,716,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,852,000 | 5,907,000 | 8,940,000 | 12,136,000 |
| Interest expense | 243,000 | 484,000 | 734,000 | 973,000 |
| Net interest income | 2,609,000 | 5,423,000 | 8,206,000 | 11,163,000 |
| Noninterest income | 352,000 | 736,000 | 1,184,000 | 1,505,000 |
| Noninterest expense | 1,715,000 | 3,457,000 | 5,143,000 | 6,860,000 |
| Provision for loan losses | 275,000 | 575,000 | 725,000 | 875,000 |
| Pretax income | 971,000 | 2,146,000 | 3,541,000 | 4,952,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 971,000 | 2,146,000 | 3,541,000 | 4,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,728,000 | 28,486,000 | 29,364,000 | 30,151,000 |
| Total capital | 30,064,000 | 30,987,000 | 31,827,000 | 32,820,000 |
| Risk-weighted assets | 185,563,000 | 198,600,000 | 195,406,000 | 211,992,000 |