Call reports 2012
ROCK CANYON BANK — 2012
What ROCK CANYON BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 140,777,000 | 150,472,000 | 160,798,000 | 166,493,000 |
| Total loans | 115,913,000 | 123,222,000 | 122,750,000 | 129,055,000 |
| Allowance for loan losses | 3,604,000 | 3,464,000 | 3,348,000 | 3,352,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 123,633,000 | 132,588,000 | 142,203,000 | 148,110,000 |
| Interest-bearing deposits | 94,485,000 | 100,746,000 | 103,936,000 | 109,798,000 |
| Noninterest-bearing deposits | 29,148,000 | 31,842,000 | 38,267,000 | 38,312,000 |
| Equity capital | 16,986,000 | 17,249,000 | 17,555,000 | 18,112,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,920,000 | 3,988,000 | 6,179,000 | 8,413,000 |
| Interest expense | 183,000 | 374,000 | 583,000 | 786,000 |
| Net interest income | 1,737,000 | 3,614,000 | 5,596,000 | 7,627,000 |
| Noninterest income | 142,000 | 514,000 | 740,000 | 1,242,000 |
| Noninterest expense | 1,355,000 | 2,663,000 | 4,143,000 | 5,788,000 |
| Provision for loan losses | -225,000 | -225,000 | -225,000 | -225,000 |
| Pretax income | 749,000 | 1,690,000 | 2,418,000 | 3,306,000 |
| Income tax | 0 | 678,000 | 1,100,000 | 1,431,000 |
| Net income | 749,000 | 1,012,000 | 1,318,000 | 1,875,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,177,000 | 15,139,000 | 15,920,000 | 16,856,000 |
| Total capital | 15,684,000 | 16,723,000 | 17,521,000 | 18,513,000 |
| Risk-weighted assets | 118,471,000 | 124,854,000 | 126,311,000 | 130,895,000 |