Call reports 2023
EAGLE ROCK BANK — 2023
What EAGLE ROCK BANK reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 201,709,000 | 214,583,000 | 230,421,000 | 241,215,000 |
| Total loans | 162,488,000 | 174,945,000 | 191,713,000 | 193,067,000 |
| Allowance for loan losses | 1,665,000 | 1,815,000 | 1,985,000 | 2,016,000 |
| Securities available for sale | 17,102,000 | 16,796,000 | 16,324,000 | 20,644,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 162,192,000 | 162,825,000 | 169,672,000 | 183,336,000 |
| Interest-bearing deposits | 130,596,000 | 131,972,000 | 137,498,000 | 147,655,000 |
| Noninterest-bearing deposits | 31,596,000 | 30,853,000 | 32,174,000 | 35,681,000 |
| Equity capital | 20,087,000 | 23,370,000 | 23,506,000 | 24,366,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 2,345,000 | 5,082,000 | 8,109,000 | 11,335,000 |
| Interest expense | 676,000 | 1,621,000 | 2,775,000 | 4,050,000 |
| Net interest income | 1,669,000 | 3,461,000 | 5,334,000 | 7,285,000 |
| Noninterest income | 94,000 | 366,000 | 480,000 | 599,000 |
| Noninterest expense | 1,347,000 | 2,761,000 | 4,062,000 | 5,488,000 |
| Provision for loan losses | 116,000 | 266,000 | 436,000 | 466,000 |
| Pretax income | 291,000 | 791,000 | 1,307,000 | 1,921,000 |
| Income tax | -202,000 | -61,000 | 101,000 | 296,000 |
| Net income | 493,000 | 852,000 | 1,206,000 | 1,625,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,511,000 | 24,871,000 | 25,224,000 | 25,649,000 |
| Total capital | 23,211,000 | 26,722,000 | 27,245,000 | 27,700,000 |
| Risk-weighted assets | 174,576,000 | 190,134,000 | 204,486,000 | 207,268,000 |