Call reports 2011
ROCK CANYON BANK — 2011
What ROCK CANYON BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 109,601,000 | 114,456,000 | 115,302,000 | 129,006,000 |
| Total loans | 78,879,000 | 81,611,000 | 88,168,000 | 105,847,000 |
| Allowance for loan losses | 4,137,000 | 3,794,000 | 3,601,000 | 3,777,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 100,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 94,404,000 | 99,027,000 | 99,737,000 | 113,278,000 |
| Interest-bearing deposits | 68,521,000 | 72,997,000 | 75,014,000 | 81,748,000 |
| Noninterest-bearing deposits | 25,883,000 | 26,030,000 | 24,723,000 | 31,530,000 |
| Equity capital | 15,056,000 | 15,285,000 | 15,397,000 | 15,537,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 1,304,000 | 2,669,000 | 4,144,000 | 5,889,000 |
| Interest expense | 173,000 | 335,000 | 500,000 | 666,000 |
| Net interest income | 1,131,000 | 2,334,000 | 3,644,000 | 5,223,000 |
| Noninterest income | 287,000 | 436,000 | 690,000 | 789,000 |
| Noninterest expense | 1,275,000 | 2,678,000 | 4,076,000 | 5,491,000 |
| Provision for loan losses | 0 | -208,000 | -224,000 | -188,000 |
| Pretax income | 143,000 | 300,000 | 482,000 | 709,000 |
| Income tax | -12,000 | -83,000 | -14,000 | 73,000 |
| Net income | 155,000 | 383,000 | 496,000 | 636,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 11,845,000 | 12,154,000 | 12,348,000 | 12,583,000 |
| Total capital | 12,895,000 | 13,259,000 | 13,513,000 | 13,967,000 |
| Risk-weighted assets | 80,942,000 | 85,724,000 | 90,744,000 | 108,325,000 |