Call reports 2016
FOUR CORNERS COMMUNITY BANK — 2016
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 309,176,000 | 311,845,000 | 322,555,000 | 333,036,000 |
| Total loans | 228,405,000 | 234,960,000 | 250,890,000 | 255,309,000 |
| Allowance for loan losses | 4,447,000 | 4,358,000 | 4,353,000 | 4,126,000 |
| Securities available for sale | 53,364,000 | 48,759,000 | 46,723,000 | 44,000,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 234,351,000 | 241,472,000 | 254,241,000 | 265,508,000 |
| Interest-bearing deposits | 145,839,000 | 157,448,000 | 166,245,000 | 169,797,000 |
| Noninterest-bearing deposits | 88,512,000 | 84,024,000 | 87,996,000 | 95,711,000 |
| Equity capital | 34,458,000 | 35,763,000 | 36,783,000 | 36,423,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,337,000 | 6,696,000 | 10,440,000 | 14,089,000 |
| Interest expense | 207,000 | 447,000 | 721,000 | 1,000,000 |
| Net interest income | 3,130,000 | 6,249,000 | 9,719,000 | 13,089,000 |
| Noninterest income | 378,000 | 808,000 | 1,185,000 | 1,583,000 |
| Noninterest expense | 1,884,000 | 3,861,000 | 5,879,000 | 7,945,000 |
| Provision for loan losses | 300,000 | 600,000 | 600,000 | 600,000 |
| Pretax income | 1,334,000 | 2,606,000 | 4,435,000 | 6,642,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,334,000 | 2,606,000 | 4,435,000 | 6,642,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,732,000 | 34,366,000 | 35,593,000 | 37,141,000 |
| Total capital | 36,749,000 | 37,485,000 | 38,934,000 | 40,540,000 |
| Risk-weighted assets | 239,931,000 | 248,261,000 | 266,278,000 | 271,175,000 |