Call reports 2004
ROCK CANYON BANK — 2004
What ROCK CANYON BANK 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 | 69,523,000 | 75,937,000 | 75,081,000 | 74,669,000 |
| Total loans | 58,317,000 | 60,164,000 | 62,725,000 | 60,005,000 |
| Allowance for loan losses | 854,000 | 925,000 | 931,000 | 947,000 |
| Securities available for sale | 652,000 | 249,000 | 0 | 0 |
| Securities held to maturity | 100,000 | 100,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,983,000 | 69,370,000 | 68,260,000 | 67,707,000 |
| Interest-bearing deposits | 47,385,000 | 48,624,000 | 48,212,000 | 49,792,000 |
| Noninterest-bearing deposits | 15,598,000 | 20,746,000 | 20,048,000 | 17,915,000 |
| Equity capital | 6,353,000 | 6,492,000 | 6,726,000 | 6,834,000 |
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 | 1,212,000 | 2,467,000 | 3,744,000 | 5,005,000 |
| Interest expense | 176,000 | 347,000 | 516,000 | 693,000 |
| Net interest income | 1,036,000 | 2,120,000 | 3,228,000 | 4,312,000 |
| Noninterest income | 183,000 | 362,000 | 536,000 | 723,000 |
| Noninterest expense | 833,000 | 1,702,000 | 2,586,000 | 3,647,000 |
| Provision for loan losses | 30,000 | 110,000 | 140,000 | 170,000 |
| Pretax income | 356,000 | 670,000 | 1,038,000 | 1,218,000 |
| Income tax | 132,000 | 246,000 | 380,000 | 454,000 |
| Net income | 224,000 | 424,000 | 658,000 | 764,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,352,000 | 6,493,000 | 6,726,000 | 6,834,000 |
| Total capital | 7,098,000 | 7,280,000 | 7,535,000 | 7,629,000 |
| Risk-weighted assets | 59,572,000 | 62,822,000 | 64,636,000 | 63,431,000 |
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