Call reports 2004
CASTLE ROCK BANK — 2004
What CASTLE ROCK BANK 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 | 88,605,000 | 93,116,000 | 91,676,000 | 98,112,000 |
| Total loans | 73,738,000 | 71,500,000 | 72,708,000 | 78,260,000 |
| Allowance for loan losses | 1,031,000 | 1,041,000 | 1,039,000 | 1,042,000 |
| Securities available for sale | 3,295,000 | 5,122,000 | 9,963,000 | 10,055,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 80,566,000 | 85,223,000 | 83,219,000 | 83,876,000 |
| Interest-bearing deposits | 64,870,000 | 68,779,000 | 66,296,000 | 67,126,000 |
| Noninterest-bearing deposits | 15,696,000 | 16,444,000 | 16,923,000 | 16,750,000 |
| Equity capital | 7,086,000 | 7,218,000 | 7,572,000 | 7,168,000 |
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 | 1,338,000 | 2,642,000 | 4,024,000 | 5,405,000 |
| Interest expense | 330,000 | 660,000 | 994,000 | 1,338,000 |
| Net interest income | 1,008,000 | 1,982,000 | 3,030,000 | 4,067,000 |
| Noninterest income | 113,000 | 207,000 | 318,000 | 1,743,000 |
| Noninterest expense | 747,000 | 1,536,000 | 2,253,000 | 4,210,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 374,000 | 653,000 | 1,095,000 | 1,600,000 |
| Income tax | 124,000 | 222,000 | 369,000 | 528,000 |
| Net income | 250,000 | 431,000 | 726,000 | 1,072,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,002,000 | 7,182,000 | 7,476,000 | 7,073,000 |
| Total capital | 7,885,000 | 8,086,000 | 8,372,000 | 8,011,000 |
| Risk-weighted assets | 70,241,000 | 71,788,000 | 71,157,000 | 74,461,000 |