Call reports 2005
ROCK CANYON BANK — 2005
What ROCK CANYON BANK 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 | 75,947,000 | 83,873,000 | 90,366,000 | 92,919,000 |
| Total loans | 61,522,000 | 63,133,000 | 63,318,000 | 68,974,000 |
| Allowance for loan losses | 972,000 | 1,002,000 | 1,027,000 | 1,026,000 |
| Securities available for sale | 0 | 0 | 0 | 1,284,000 |
| Securities held to maturity | 101,000 | 99,000 | 100,000 | 100,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,852,000 | 76,547,000 | 82,734,000 | 85,029,000 |
| Interest-bearing deposits | 49,081,000 | 55,383,000 | 59,797,000 | 62,565,000 |
| Noninterest-bearing deposits | 19,771,000 | 21,164,000 | 22,937,000 | 22,464,000 |
| Equity capital | 6,881,000 | 7,174,000 | 7,485,000 | 7,702,000 |
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 | 1,269,000 | 2,753,000 | 4,229,000 | 5,933,000 |
| Interest expense | 196,000 | 423,000 | 707,000 | 1,047,000 |
| Net interest income | 1,073,000 | 2,330,000 | 3,522,000 | 4,886,000 |
| Noninterest income | 215,000 | 438,000 | 633,000 | 805,000 |
| Noninterest expense | 855,000 | 1,843,000 | 2,711,000 | 3,920,000 |
| Provision for loan losses | 30,000 | 60,000 | 90,000 | 90,000 |
| Pretax income | 403,000 | 865,000 | 1,354,000 | 1,681,000 |
| Income tax | 150,000 | 319,000 | 498,000 | 604,000 |
| Net income | 253,000 | 546,000 | 856,000 | 1,077,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,881,000 | 7,174,000 | 7,485,000 | 7,699,000 |
| Total capital | 7,687,000 | 8,026,000 | 8,363,000 | 8,640,000 |
| Risk-weighted assets | 64,326,000 | 68,017,000 | 70,059,000 | 75,181,000 |