Call reports 2004
FIRST NATIONAL BANK OF THE ROCKIES — 2004
What FIRST NATIONAL BANK OF THE ROCKIES 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 | 246,116,000 | 259,475,000 | 261,271,000 | 272,987,000 |
| Total loans | 169,182,000 | 180,271,000 | 181,676,000 | 178,985,000 |
| Allowance for loan losses | 1,724,000 | 1,388,000 | 1,282,000 | 1,075,000 |
| Securities available for sale | 24,265,000 | 24,725,000 | 22,009,000 | 19,283,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 16,696,000 | 16,601,000 | 16,774,000 | 23,975,000 |
| Total deposits | 212,422,000 | 222,285,000 | 222,608,000 | 234,079,000 |
| Interest-bearing deposits | 165,030,000 | 172,058,000 | 170,589,000 | 178,639,000 |
| Noninterest-bearing deposits | 47,392,000 | 50,227,000 | 52,019,000 | 55,440,000 |
| Equity capital | 22,222,000 | 22,360,000 | 23,538,000 | 24,258,000 |
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 | 3,337,000 | 6,919,000 | 10,724,000 | 14,684,000 |
| Interest expense | 732,000 | 1,466,000 | 2,234,000 | 3,081,000 |
| Net interest income | 2,605,000 | 5,453,000 | 8,490,000 | 11,603,000 |
| Noninterest income | 604,000 | 833,000 | 1,415,000 | 1,881,000 |
| Noninterest expense | 2,140,000 | 4,490,000 | 6,716,000 | 9,138,000 |
| Provision for loan losses | 99,000 | 99,000 | 99,000 | 99,000 |
| Pretax income | 1,182,000 | 1,909,000 | 3,340,000 | 4,497,000 |
| Income tax | 427,000 | 647,000 | 1,144,000 | 1,545,000 |
| Net income | 755,000 | 1,262,000 | 2,196,000 | 2,952,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 19,612,000 | 20,120,000 | 21,053,000 | 21,770,000 |
| Total capital | 21,336,000 | 21,508,000 | 22,335,000 | 22,845,000 |
| Risk-weighted assets | 198,223,000 | 203,497,000 | 216,617,000 | 223,344,000 |
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