Call reports 2013
ROCK CANYON BANK — 2013
What ROCK CANYON BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 168,741,000 | 164,148,000 | 176,845,000 | 198,238,000 |
| Total loans | 136,328,000 | 136,863,000 | 133,845,000 | 141,464,000 |
| Allowance for loan losses | 3,385,000 | 3,516,000 | 3,518,000 | 3,124,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 149,636,000 | 144,342,000 | 156,618,000 | 177,337,000 |
| Interest-bearing deposits | 107,969,000 | 106,763,000 | 107,370,000 | 116,952,000 |
| Noninterest-bearing deposits | 41,667,000 | 37,579,000 | 49,248,000 | 60,385,000 |
| Equity capital | 18,763,000 | 19,552,000 | 19,936,000 | 20,379,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,228,000 | 4,599,000 | 6,915,000 | 9,345,000 |
| Interest expense | 189,000 | 376,000 | 562,000 | 767,000 |
| Net interest income | 2,039,000 | 4,223,000 | 6,353,000 | 8,578,000 |
| Noninterest income | 444,000 | 1,212,000 | 1,332,000 | 1,784,000 |
| Noninterest expense | 1,445,000 | 3,138,000 | 4,776,000 | 7,147,000 |
| Provision for loan losses | 0 | 0 | 0 | -400,000 |
| Pretax income | 1,038,000 | 2,297,000 | 2,909,000 | 3,615,000 |
| Income tax | 387,000 | 857,000 | 1,085,000 | 1,348,000 |
| Net income | 651,000 | 1,440,000 | 1,824,000 | 2,267,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,958,000 | 19,293,000 | 19,936,000 | 20,379,000 |
| Total capital | 19,703,000 | 21,023,000 | 21,644,000 | 22,187,000 |
| Risk-weighted assets | 137,971,000 | 136,598,000 | 134,796,000 | 143,307,000 |