Call reports 2020
FOUR CORNERS COMMUNITY BANK — 2020
What FOUR CORNERS COMMUNITY BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 366,586,000 | 438,977,000 | 437,551,000 | 436,687,000 |
| Total loans | 265,804,000 | 311,316,000 | 306,050,000 | 286,242,000 |
| Allowance for loan losses | 4,420,000 | 4,963,000 | 5,655,000 | 6,050,000 |
| Securities available for sale | 56,440,000 | 53,328,000 | 62,373,000 | 80,177,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 284,413,000 | 347,555,000 | 348,007,000 | 345,732,000 |
| Interest-bearing deposits | 180,286,000 | 193,923,000 | 201,128,000 | 205,395,000 |
| Noninterest-bearing deposits | 104,127,000 | 153,632,000 | 146,879,000 | 140,337,000 |
| Equity capital | 46,067,000 | 47,755,000 | 48,111,000 | 48,996,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 4,157,000 | 9,136,000 | 13,119,000 | 17,226,000 |
| Interest expense | 478,000 | 917,000 | 1,333,000 | 1,712,000 |
| Net interest income | 3,679,000 | 8,219,000 | 11,786,000 | 15,514,000 |
| Noninterest income | 496,000 | 949,000 | 1,608,000 | 2,468,000 |
| Noninterest expense | 2,065,000 | 4,293,000 | 6,659,000 | 9,188,000 |
| Provision for loan losses | 288,000 | 1,563,000 | 2,238,000 | 2,913,000 |
| Pretax income | 1,822,000 | 3,312,000 | 4,497,000 | 5,881,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,822,000 | 3,312,000 | 4,497,000 | 5,881,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,646,000 | 46,080,000 | 46,372,000 | 47,190,000 |