Call reports 2008
ROCK CANYON BANK — 2008
What ROCK CANYON BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 124,766,000 | 131,314,000 | 132,516,000 | 125,673,000 |
| Total loans | 108,752,000 | 108,981,000 | 107,840,000 | 104,632,000 |
| Allowance for loan losses | 1,654,000 | 1,903,000 | 1,917,000 | 3,256,000 |
| Securities available for sale | 557,000 | 302,000 | 300,000 | 0 |
| Securities held to maturity | 100,000 | 102,000 | 102,000 | 101,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 113,451,000 | 116,788,000 | 115,054,000 | 109,158,000 |
| Interest-bearing deposits | 88,613,000 | 93,026,000 | 93,453,000 | 84,775,000 |
| Noninterest-bearing deposits | 24,838,000 | 23,762,000 | 21,601,000 | 24,383,000 |
| Equity capital | 10,826,000 | 11,432,000 | 11,941,000 | 11,324,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,259,000 | 4,440,000 | 6,578,000 | 8,597,000 |
| Interest expense | 700,000 | 1,410,000 | 2,115,000 | 2,801,000 |
| Net interest income | 1,559,000 | 3,030,000 | 4,463,000 | 5,796,000 |
| Noninterest income | 241,000 | 445,000 | 611,000 | 828,000 |
| Noninterest expense | 1,266,000 | 2,608,000 | 3,809,000 | 5,596,000 |
| Provision for loan losses | 75,000 | 1,463,000 | 1,488,000 | 2,888,000 |
| Pretax income | 464,000 | -591,000 | -218,000 | -1,855,000 |
| Income tax | 172,000 | 0 | 0 | -673,000 |
| Net income | 292,000 | -591,000 | -218,000 | -805,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,821,000 | 11,430,000 | 11,941,000 | 11,324,000 |
| Total capital | 12,255,000 | 12,873,000 | 13,372,000 | 12,750,000 |
| Risk-weighted assets | 114,500,000 | 114,986,000 | 113,994,000 | 112,251,000 |
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