Call reports 2019
ROCK CANYON BANK — 2019
What ROCK CANYON BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 427,204,000 | 449,863,000 | 471,121,000 | 507,370,000 |
| Total loans | 366,690,000 | 385,304,000 | 401,071,000 | 407,148,000 |
| Allowance for loan losses | 3,564,000 | 3,768,000 | 3,892,000 | 3,674,000 |
| Securities available for sale | 28,000 | 28,000 | 28,000 | 0 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 357,508,000 | 375,800,000 | 415,805,000 | 452,670,000 |
| Interest-bearing deposits | 211,493,000 | 222,720,000 | 279,486,000 | 318,950,000 |
| Noninterest-bearing deposits | 146,015,000 | 153,080,000 | 136,319,000 | 133,720,000 |
| Equity capital | 46,002,000 | 49,435,000 | 51,484,000 | 51,264,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 7,010,000 | 14,457,000 | 22,338,000 | 30,365,000 |
| Interest expense | 693,000 | 1,508,000 | 2,361,000 | 3,484,000 |
| Net interest income | 6,317,000 | 12,949,000 | 19,977,000 | 26,881,000 |
| Noninterest income | 1,114,000 | 4,524,000 | 5,959,000 | 7,649,000 |
| Noninterest expense | 4,624,000 | 9,883,000 | 15,293,000 | 23,606,000 |
| Provision for loan losses | 388,000 | 592,000 | 912,000 | 1,150,000 |
| Pretax income | 2,419,000 | 6,998,000 | 9,731,000 | 9,782,000 |
| Income tax | 607,000 | 1,753,000 | 2,437,000 | 2,458,000 |
| Net income | 1,812,000 | 5,245,000 | 7,294,000 | 7,324,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,990,000 | 49,423,000 | 51,472,000 | 51,264,000 |
| Total capital | 49,559,000 | 53,196,000 | 55,369,000 | 54,938,000 |
| Risk-weighted assets | 399,621,000 | 415,342,000 | 436,148,000 | 437,157,000 |