Call reports 2004
BANK OF THE ROCKIES — 2004
What BANK OF THE ROCKIES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 58,253,000 | 58,075,000 | 58,159,000 | 61,936,000 |
| Total loans | 41,929,000 | 46,159,000 | 47,958,000 | 52,248,000 |
| Allowance for loan losses | 568,000 | 740,000 | 870,000 | 859,000 |
| Securities available for sale | 6,368,000 | 2,423,000 | 474,000 | 346,000 |
| Securities held to maturity | 4,004,000 | 4,109,000 | 3,798,000 | 3,534,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 51,364,000 | 51,406,000 | 50,437,000 | 52,459,000 |
| Interest-bearing deposits | 42,818,000 | 41,050,000 | 40,717,000 | 41,749,000 |
| Noninterest-bearing deposits | 8,546,000 | 10,356,000 | 9,720,000 | 10,710,000 |
| Equity capital | 6,521,000 | 6,303,000 | 6,435,000 | 6,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 948,000 | 1,952,000 | 3,017,000 | 4,248,000 |
| Interest expense | 169,000 | 333,000 | 492,000 | 672,000 |
| Net interest income | 779,000 | 1,619,000 | 2,525,000 | 3,576,000 |
| Noninterest income | 120,000 | 240,000 | 367,000 | 482,000 |
| Noninterest expense | 561,000 | 1,212,000 | 2,012,000 | 2,734,000 |
| Provision for loan losses | 73,000 | 245,000 | 418,000 | 440,000 |
| Pretax income | 266,000 | 446,000 | 645,000 | 1,066,000 |
| Income tax | 98,000 | 169,000 | 238,000 | 397,000 |
| Net income | 168,000 | 277,000 | 407,000 | 669,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,201,000 | 6,235,000 | 6,365,000 | 6,427,000 |
| Total capital | 6,683,000 | 6,756,000 | 6,888,000 | 6,985,000 |
| Risk-weighted assets | 38,437,000 | 41,447,000 | 41,504,000 | 44,343,000 |