Page 7 - Four Corners Community Bank
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Four Corners
                                                                               Four Corners     Community Bank
                Definition            Dollar figures in thousands            Community Bank     Farmington, NM
                                                                              Farmington, NM
                                                                            September 30, 2017   September 30,
                                                                                                      2016
                          Income and Expense                                   (Year-to-date)     (Year-to-date)
                        1  Number of institutions reporting                                   1                 1

                                                                                         11,464            10,440
                        2  Total interest income
                                                                                            840              721
                        3  Total interest expense
                        4  Net interest income                                           10,624             9,719
                        5  Provision for loan and lease losses                              200              600

                        6  Total noninterest income                                       1,341             1,185

                           Fiduciary activities                                               0                 0
                        7
                           Service charges on deposit accounts                              507              486
                        8
                                                                                            N/A                 0
                        9   Trading account gains & fees
                                                                                            834              699
                       10    Additional noninterest income
                       11   Total noninterest expense                                     6,326             5,879
                           Salaries and employee benefits                                 3,446             3,107
                       12
                           Premises and equipment expense                                   792              728
                       13
                                                                                          2,088             2,044
                       14    Additional noninterest expense
                       15   Pre-tax net operating income                                  5,439             4,425
                       16   Securities gains (losses)                                         0               10

                       17   Applicable income taxes                                           0                 0
                           Income before extraordinary items                              5,439             4,435
                       18
                       19   Discontinued operations (Extraordinary gains - net)*              0                 0
                       20   Net income attributable to bank                               5,439             4,435

                       21   Net income attributable to noncontrolling interests               0                 0

                       22   Net income attributable to bank and noncontrolling            5,439             4,435
                          interests
                                                                                            173              403
                       23   Net charge-offs
                                                                                          3,081             2,532
                       24   Cash dividends
                       25   Sale, conversion, retirement of capital stock, net               10                -1
                           Net operating income                                           5,439             4,425
                       26
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