Call reports 2015
ROCK CANYON BANK — 2015
What ROCK CANYON BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 260,326,000 | 259,844,000 | 278,303,000 | 282,739,000 |
| Total loans | 209,825,000 | 227,487,000 | 229,611,000 | 231,237,000 |
| Allowance for loan losses | 3,121,000 | 3,121,000 | 3,084,000 | 3,049,000 |
| Securities available for sale | 0 | 0 | 0 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 235,337,000 | 233,075,000 | 250,595,000 | 254,732,000 |
| Interest-bearing deposits | 182,180,000 | 175,824,000 | 169,811,000 | 171,211,000 |
| Noninterest-bearing deposits | 53,157,000 | 57,251,000 | 80,784,000 | 83,521,000 |
| Equity capital | 24,215,000 | 25,755,000 | 26,544,000 | 26,926,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,449,000 | 7,350,000 | 11,411,000 | 15,481,000 |
| Interest expense | 325,000 | 686,000 | 1,044,000 | 1,388,000 |
| Net interest income | 3,124,000 | 6,664,000 | 10,367,000 | 14,093,000 |
| Noninterest income | 892,000 | 1,805,000 | 2,921,000 | 4,176,000 |
| Noninterest expense | 2,516,000 | 5,591,000 | 9,154,000 | 13,520,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 1,500,000 | 2,878,000 | 4,134,000 | 4,749,000 |
| Income tax | 563,000 | 1,086,000 | 1,553,000 | 1,786,000 |
| Net income | 937,000 | 1,792,000 | 2,581,000 | 2,963,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,155,000 | 25,750,000 | 26,544,000 | 26,926,000 |
| Total capital | 26,794,000 | 28,593,000 | 29,549,000 | 29,965,000 |
| Risk-weighted assets | 210,703,000 | 227,198,000 | 240,359,000 | 243,152,000 |