Call reports 2005
BANK OF THE ROCKIES — 2005
What BANK OF THE ROCKIES reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 64,177,000 | 68,158,000 | 75,468,000 | 76,172,000 |
| Total loans | 54,523,000 | 57,925,000 | 63,756,000 | 64,766,000 |
| Allowance for loan losses | 883,000 | 604,000 | 641,000 | 700,000 |
| Securities available for sale | 333,000 | 353,000 | 302,000 | 177,000 |
| Securities held to maturity | 3,236,000 | 3,189,000 | 3,142,000 | 3,150,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 52,898,000 | 55,945,000 | 60,309,000 | 62,777,000 |
| Interest-bearing deposits | 42,971,000 | 44,805,000 | 45,684,000 | 49,196,000 |
| Noninterest-bearing deposits | 9,927,000 | 11,140,000 | 14,625,000 | 13,581,000 |
| Equity capital | 6,704,000 | 6,708,000 | 6,956,000 | 6,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,147,000 | 2,404,000 | 3,858,000 | 5,494,000 |
| Interest expense | 204,000 | 478,000 | 797,000 | 1,204,000 |
| Net interest income | 943,000 | 1,926,000 | 3,061,000 | 4,290,000 |
| Noninterest income | 120,000 | 249,000 | 415,000 | 527,000 |
| Noninterest expense | 750,000 | 1,540,000 | 2,325,000 | 2,960,000 |
| Provision for loan losses | 23,000 | 48,000 | 83,000 | 128,000 |
| Pretax income | 290,000 | 586,000 | 1,067,000 | 1,728,000 |
| Income tax | 109,000 | 221,000 | 403,000 | 668,000 |
| Net income | 181,000 | 365,000 | 664,000 | 1,060,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,608,000 | 6,629,000 | 7,021,000 | 6,905,000 |
| Total capital | 7,188,000 | 7,233,000 | 7,662,000 | 7,605,000 |
| Risk-weighted assets | 46,033,000 | 50,588,000 | 56,757,000 | 57,773,000 |