Call reports 2005
FIRST NATIONAL BANK OF THE ROCKIES — 2005
What FIRST NATIONAL BANK OF THE ROCKIES 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 | 278,218,000 | 286,381,000 | 305,860,000 | 310,793,000 |
| Total loans | 181,530,000 | 189,570,000 | 199,647,000 | 201,180,000 |
| Allowance for loan losses | 974,000 | 1,037,000 | 1,203,000 | 1,038,000 |
| Securities available for sale | 27,315,000 | 27,306,000 | 27,105,000 | 30,406,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 22,176,000 | 32,687,000 | 32,932,000 | 33,182,000 |
| Total deposits | 238,850,000 | 244,209,000 | 254,724,000 | 269,278,000 |
| Interest-bearing deposits | 183,374,000 | 184,304,000 | 187,443,000 | 197,784,000 |
| Noninterest-bearing deposits | 55,476,000 | 59,905,000 | 67,281,000 | 71,494,000 |
| Equity capital | 24,548,000 | 25,864,000 | 26,574,000 | 27,648,000 |
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 | 3,810,000 | 7,990,000 | 12,490,000 | 17,415,000 |
| Interest expense | 937,000 | 2,040,000 | 3,278,000 | 4,632,000 |
| Net interest income | 2,873,000 | 5,950,000 | 9,212,000 | 12,783,000 |
| Noninterest income | 249,000 | 1,480,000 | 2,250,000 | 2,945,000 |
| Noninterest expense | 2,216,000 | 4,902,000 | 7,548,000 | 10,249,000 |
| Provision for loan losses | 0 | 45,000 | 90,000 | 90,000 |
| Pretax income | 892,000 | 2,459,000 | 3,739,000 | 5,308,000 |
| Income tax | 307,000 | 829,000 | 1,258,000 | 1,656,000 |
| Net income | 585,000 | 1,630,000 | 2,481,000 | 3,652,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 22,355,000 | 23,399,000 | 24,118,000 | 25,290,000 |
| Total capital | 23,329,000 | 24,436,000 | 25,321,000 | 26,328,000 |
| Risk-weighted assets | 224,413,000 | 243,301,000 | 262,494,000 | 261,722,000 |
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