Call reports 2003
ROCK CANYON BANK — 2003
What ROCK CANYON BANK reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 65,762,000 | 75,663,000 | 69,835,000 | 72,818,000 |
| Total loans | 49,010,000 | 51,318,000 | 55,330,000 | 56,481,000 |
| Allowance for loan losses | 745,000 | 772,000 | 827,000 | 853,000 |
| Securities available for sale | 0 | 0 | 650,000 | 1,203,000 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,891,000 | 69,556,000 | 63,596,000 | 66,312,000 |
| Interest-bearing deposits | 45,675,000 | 53,928,000 | 47,483,000 | 49,337,000 |
| Noninterest-bearing deposits | 14,216,000 | 15,628,000 | 16,113,000 | 16,975,000 |
| Equity capital | 5,765,000 | 5,976,000 | 6,145,000 | 6,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,109,000 | 2,334,000 | 3,569,000 | 4,768,000 |
| Interest expense | 243,000 | 458,000 | 666,000 | 856,000 |
| Net interest income | 866,000 | 1,876,000 | 2,903,000 | 3,912,000 |
| Noninterest income | 249,000 | 409,000 | 578,000 | 739,000 |
| Noninterest expense | 810,000 | 1,624,000 | 2,472,000 | 3,406,000 |
| Provision for loan losses | 45,000 | 75,000 | 125,000 | 155,000 |
| Pretax income | 260,000 | 586,000 | 884,000 | 1,090,000 |
| Income tax | 92,000 | 207,000 | 311,000 | 415,000 |
| Net income | 168,000 | 379,000 | 573,000 | 675,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,765,000 | 5,976,000 | 6,145,000 | 6,222,000 |
| Total capital | 6,416,000 | 6,670,000 | 6,856,000 | 6,956,000 |
| Risk-weighted assets | 51,975,000 | 55,443,000 | 56,787,000 | 58,590,000 |
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