Call reports 2016
ROCK CANYON BANK — 2016
What ROCK CANYON BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 293,557,000 | 286,447,000 | 288,369,000 | 300,089,000 |
| Total loans | 229,334,000 | 231,037,000 | 252,294,000 | 266,355,000 |
| Allowance for loan losses | 3,055,000 | 3,055,000 | 3,055,000 | 3,029,000 |
| Securities available for sale | 16,000 | 16,000 | 16,000 | 31,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 264,065,000 | 255,924,000 | 257,253,000 | 268,186,000 |
| Interest-bearing deposits | 169,776,000 | 167,407,000 | 162,266,000 | 159,235,000 |
| Noninterest-bearing deposits | 94,289,000 | 88,517,000 | 94,987,000 | 108,951,000 |
| Equity capital | 28,235,000 | 29,175,000 | 29,801,000 | 30,503,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 4,135,000 | 8,380,000 | 12,675,000 | 17,320,000 |
| Interest expense | 338,000 | 672,000 | 998,000 | 1,315,000 |
| Net interest income | 3,797,000 | 7,708,000 | 11,677,000 | 16,005,000 |
| Noninterest income | 1,365,000 | 2,716,000 | 3,641,000 | 5,402,000 |
| Noninterest expense | 3,069,000 | 6,813,000 | 10,720,000 | 15,703,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 2,093,000 | 3,611,000 | 4,598,000 | 5,704,000 |
| Income tax | 784,000 | 1,362,000 | 1,723,000 | 2,142,000 |
| Net income | 1,309,000 | 2,249,000 | 2,875,000 | 3,562,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 28,235,000 | 29,175,000 | 29,801,000 | 30,488,000 |
| Total capital | 31,231,000 | 32,230,000 | 32,856,000 | 33,524,000 |
| Risk-weighted assets | 239,686,000 | 245,530,000 | 271,289,000 | 279,772,000 |