Call reports 2005
RED ROCK COMMUNITY BANK — 2005
What RED ROCK COMMUNITY 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 | 103,677,000 | 110,257,000 | 116,689,000 | 102,627,000 |
| Total loans | 76,601,000 | 81,178,000 | 86,020,000 | 84,919,000 |
| Allowance for loan losses | 1,600,000 | 1,567,000 | 1,450,000 | 1,300,000 |
| Securities available for sale | 501,000 | 171,000 | 173,000 | 114,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 90,499,000 | 98,438,000 | 105,207,000 | 88,649,000 |
| Interest-bearing deposits | 57,577,000 | 63,346,000 | 72,612,000 | 57,687,000 |
| Noninterest-bearing deposits | 32,922,000 | 35,092,000 | 32,595,000 | 30,962,000 |
| Equity capital | 12,215,000 | 11,592,000 | 11,276,000 | 11,832,000 |
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 | 1,462,000 | 3,080,000 | 4,925,000 | 6,910,000 |
| Interest expense | 283,000 | 590,000 | 999,000 | 1,405,000 |
| Net interest income | 1,179,000 | 2,490,000 | 3,926,000 | 5,505,000 |
| Noninterest income | 82,000 | 201,000 | 277,000 | 500,000 |
| Noninterest expense | 888,000 | 1,800,000 | 2,728,000 | 3,708,000 |
| Provision for loan losses | -141,000 | -199,000 | -352,000 | -527,000 |
| Pretax income | 514,000 | 1,090,000 | 1,827,000 | 2,824,000 |
| Income tax | 177,000 | 375,000 | 627,000 | 968,000 |
| Net income | 337,000 | 715,000 | 1,200,000 | 1,856,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,629,000 | 9,007,000 | 8,692,000 | 9,248,000 |
| Total capital | 10,676,000 | 10,133,000 | 9,863,000 | 10,378,000 |
| Risk-weighted assets | 83,223,000 | 89,675,000 | 93,396,000 | 90,215,000 |
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