Call reports 2003
BANK OF THE ROCKIES — 2003
What BANK OF THE ROCKIES reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 56,510,000 | 56,340,000 | 57,575,000 | 59,497,000 |
| Total loans | 36,297,000 | 38,469,000 | 41,766,000 | 40,103,000 |
| Allowance for loan losses | 443,000 | 458,000 | 480,000 | 506,000 |
| Securities available for sale | 6,273,000 | 2,243,000 | 2,806,000 | 4,891,000 |
| Securities held to maturity | 6,376,000 | 4,502,000 | 4,762,000 | 4,490,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 50,082,000 | 49,778,000 | 50,860,000 | 52,839,000 |
| Interest-bearing deposits | 42,480,000 | 42,694,000 | 41,905,000 | 42,725,000 |
| Noninterest-bearing deposits | 7,602,000 | 7,084,000 | 8,955,000 | 10,114,000 |
| Equity capital | 5,910,000 | 6,050,000 | 6,166,000 | 6,296,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 928,000 | 1,908,000 | 2,919,000 | 3,814,000 |
| Interest expense | 250,000 | 474,000 | 675,000 | 861,000 |
| Net interest income | 678,000 | 1,434,000 | 2,244,000 | 2,953,000 |
| Noninterest income | 104,000 | 241,000 | 448,000 | 587,000 |
| Noninterest expense | 512,000 | 1,265,000 | 1,829,000 | 2,370,000 |
| Provision for loan losses | 20,000 | 40,000 | 61,000 | 83,000 |
| Pretax income | 263,000 | 379,000 | 808,000 | 1,093,000 |
| Income tax | 95,000 | 133,000 | 292,000 | 434,000 |
| Net income | 168,000 | 246,000 | 516,000 | 659,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,692,000 | 5,743,000 | 5,990,000 | 6,033,000 |
| Total capital | 6,124,000 | 6,177,000 | 6,454,000 | 6,533,000 |
| Risk-weighted assets | 34,574,000 | 34,661,000 | 37,894,000 | 39,985,000 |