Call reports 2004
RED ROCK COMMUNITY BANK — 2004
What RED ROCK COMMUNITY BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 107,815,000 | 108,745,000 | 106,784,000 | 102,850,000 |
| Total loans | 72,673,000 | 66,751,000 | 73,652,000 | 74,026,000 |
| Allowance for loan losses | 2,025,000 | 1,765,000 | 1,796,000 | 1,714,000 |
| Securities available for sale | 4,183,000 | 656,000 | 660,000 | 500,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 95,633,000 | 96,398,000 | 94,144,000 | 89,756,000 |
| Interest-bearing deposits | 68,512,000 | 66,107,000 | 59,370,000 | 57,809,000 |
| Noninterest-bearing deposits | 27,121,000 | 30,291,000 | 34,774,000 | 31,947,000 |
| Equity capital | 12,017,000 | 12,184,000 | 12,432,000 | 12,878,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,751,000 | 4,198,000 | 5,686,000 |
| Interest expense | 314,000 | 613,000 | 901,000 | 1,194,000 |
| Net interest income | 1,080,000 | 2,138,000 | 3,297,000 | 4,492,000 |
| Noninterest income | 84,000 | 198,000 | 263,000 | 331,000 |
| Noninterest expense | 889,000 | 1,797,000 | 2,645,000 | 3,427,000 |
| Provision for loan losses | 364,000 | 365,000 | 366,000 | 166,000 |
| Pretax income | -89,000 | 174,000 | 549,000 | 1,230,000 |
| Income tax | -29,000 | 62,000 | 191,000 | 424,000 |
| Net income | -60,000 | 112,000 | 358,000 | 806,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,408,000 | 9,598,000 | 9,845,000 | 10,292,000 |
| Total capital | 10,422,000 | 10,558,000 | 10,863,000 | 11,314,000 |
| Risk-weighted assets | 80,075,000 | 75,982,000 | 80,594,000 | 81,040,000 |
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