Call reports 2005
CASTLE ROCK BANK — 2005
What CASTLE ROCK BANK 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 | 102,344,000 | 104,566,000 | 106,908,000 | 102,732,000 |
| Total loans | 81,908,000 | 83,245,000 | 85,078,000 | 82,792,000 |
| Allowance for loan losses | 1,001,000 | 1,001,000 | 1,017,000 | 934,000 |
| Securities available for sale | 8,277,000 | 8,172,000 | 7,883,000 | 7,618,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 85,250,000 | 90,248,000 | 98,107,000 | 94,075,000 |
| Interest-bearing deposits | 59,691,000 | 70,129,000 | 76,632,000 | 73,165,000 |
| Noninterest-bearing deposits | 25,559,000 | 20,119,000 | 21,475,000 | 20,910,000 |
| Equity capital | 7,479,000 | 7,799,000 | 8,014,000 | 7,859,000 |
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 | 1,470,000 | 3,049,000 | 4,707,000 | 6,374,000 |
| Interest expense | 397,000 | 848,000 | 1,360,000 | 1,906,000 |
| Net interest income | 1,073,000 | 2,201,000 | 3,347,000 | 4,468,000 |
| Noninterest income | 411,000 | 669,000 | 899,000 | 1,030,000 |
| Noninterest expense | 906,000 | 1,886,000 | 2,821,000 | 3,663,000 |
| Provision for loan losses | 0 | 0 | 100,000 | 100,000 |
| Pretax income | 578,000 | 984,000 | 1,325,000 | 1,735,000 |
| Income tax | 199,000 | 333,000 | 438,000 | 999,000 |
| Net income | 379,000 | 651,000 | 887,000 | 736,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,452,000 | 7,724,000 | 7,960,000 | 7,809,000 |
| Total capital | 8,453,000 | 8,725,000 | 8,977,000 | 8,743,000 |
| Risk-weighted assets | 80,415,000 | 81,885,000 | 84,819,000 | 79,711,000 |