Call reports 2003
CASTLE ROCK BANK — 2003
What CASTLE ROCK BANK 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 | 90,542,000 | 90,919,000 | 90,430,000 | 87,744,000 |
| Total loans | 78,017,000 | 78,248,000 | 76,950,000 | 70,773,000 |
| Allowance for loan losses | 1,135,000 | 1,172,000 | 1,196,000 | 1,020,000 |
| Securities available for sale | 4,649,000 | 4,280,000 | 3,916,000 | 3,395,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,179,000 | 79,189,000 | 79,769,000 | 79,864,000 |
| Interest-bearing deposits | 60,134,000 | 62,583,000 | 63,006,000 | 63,811,000 |
| Noninterest-bearing deposits | 20,045,000 | 16,606,000 | 16,763,000 | 16,053,000 |
| Equity capital | 6,858,000 | 7,322,000 | 6,992,000 | 6,821,000 |
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 | 1,430,000 | 2,882,000 | 4,375,000 | 5,786,000 |
| Interest expense | 355,000 | 716,000 | 1,071,000 | 1,402,000 |
| Net interest income | 1,075,000 | 2,166,000 | 3,304,000 | 4,384,000 |
| Noninterest income | 150,000 | 421,000 | 528,000 | 2,427,000 |
| Noninterest expense | 698,000 | 1,466,000 | 2,202,000 | 4,686,000 |
| Provision for loan losses | 25,000 | 50,000 | 75,000 | 0 |
| Pretax income | 502,000 | 1,071,000 | 1,555,000 | 2,125,000 |
| Income tax | 150,000 | 283,000 | 445,000 | 680,000 |
| Net income | 352,000 | 788,000 | 1,110,000 | 1,445,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,759,000 | 7,195,000 | 6,916,000 | 6,751,000 |
| Total capital | 7,593,000 | 8,037,000 | 7,780,000 | 7,613,000 |
| Risk-weighted assets | 66,402,000 | 67,065,000 | 68,816,000 | 68,320,000 |