Call reports 2002
ROCK CANYON BANK — 2002
What ROCK CANYON BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 64,536,000 | 66,222,000 | 66,993,000 | 65,618,000 |
| Total loans | 53,631,000 | 52,514,000 | 52,097,000 | 50,589,000 |
| Allowance for loan losses | 776,000 | 800,000 | 831,000 | 728,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,000 | 102,000 | 101,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 58,621,000 | 60,680,000 | 61,347,000 | 59,657,000 |
| Interest-bearing deposits | 46,352,000 | 47,672,000 | 48,185,000 | 46,598,000 |
| Noninterest-bearing deposits | 12,269,000 | 13,008,000 | 13,162,000 | 13,059,000 |
| Equity capital | 5,231,000 | 5,381,000 | 5,507,000 | 5,636,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,268,000 | 2,527,000 | 3,763,000 | 4,955,000 |
| Interest expense | 326,000 | 637,000 | 948,000 | 1,231,000 |
| Net interest income | 942,000 | 1,890,000 | 2,815,000 | 3,724,000 |
| Noninterest income | 153,000 | 302,000 | 484,000 | 673,000 |
| Noninterest expense | 772,000 | 1,527,000 | 2,371,000 | 3,199,000 |
| Provision for loan losses | 31,000 | 82,000 | 127,000 | 172,000 |
| Pretax income | 292,000 | 583,000 | 801,000 | 1,026,000 |
| Income tax | 63,000 | 204,000 | 281,000 | 376,000 |
| Net income | 229,000 | 379,000 | 520,000 | 650,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,231,000 | 5,381,000 | 5,507,000 | 5,636,000 |
| Total capital | 5,924,000 | 6,072,000 | 6,197,000 | 6,305,000 |
| Risk-weighted assets | 55,357,000 | 55,181,000 | 55,099,000 | 53,498,000 |