Call reports 2005
EAGLE ROCK BANK — 2005
What EAGLE ROCK BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 52,510,000 | 54,107,000 | 55,989,000 | 59,691,000 |
| Total loans | 43,125,000 | 46,151,000 | 46,939,000 | 47,417,000 |
| Allowance for loan losses | 530,000 | 571,000 | 585,000 | 595,000 |
| Securities available for sale | 253,000 | 1,204,000 | 1,648,000 | 2,335,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,356,000 | 38,795,000 | 40,390,000 | 43,830,000 |
| Interest-bearing deposits | 32,683,000 | 33,693,000 | 34,474,000 | 36,818,000 |
| Noninterest-bearing deposits | 4,673,000 | 5,102,000 | 5,916,000 | 7,012,000 |
| Equity capital | 7,555,000 | 7,735,000 | 7,967,000 | 8,230,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 739,000 | 1,633,000 | 2,588,000 | 3,580,000 |
| Interest expense | 240,000 | 534,000 | 864,000 | 1,221,000 |
| Net interest income | 499,000 | 1,099,000 | 1,724,000 | 2,359,000 |
| Noninterest income | 52,000 | 85,000 | 127,000 | 209,000 |
| Noninterest expense | 329,000 | 657,000 | 981,000 | 1,345,000 |
| Provision for loan losses | 35,000 | 87,000 | 101,000 | 111,000 |
| Pretax income | 187,000 | 440,000 | 769,000 | 1,112,000 |
| Income tax | -54,000 | -55,000 | -55,000 | -23,000 |
| Net income | 241,000 | 495,000 | 824,000 | 1,135,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 4,574,000 | 4,760,000 | 4,997,000 | 5,266,000 |
| Total capital | 5,090,000 | 5,315,000 | 5,556,000 | 5,832,000 |
| Risk-weighted assets | 41,859,000 | 44,760,000 | 45,395,000 | 46,698,000 |
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