Call reports 2003
COMMUNITY BANKS OF THE ROCKIES — 2003
What COMMUNITY BANKS OF THE ROCKIES 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 | 187,022,000 | 173,193,000 | 175,782,000 | 178,684,000 |
| Total loans | 159,359,000 | 146,869,000 | 151,793,000 | 152,108,000 |
| Allowance for loan losses | 957,000 | 995,000 | 1,200,000 | 1,184,000 |
| Securities available for sale | 4,491,000 | 612,000 | 507,000 | 5,449,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 141,229,000 | 146,865,000 | 145,200,000 | 141,667,000 |
| Interest-bearing deposits | 118,331,000 | 122,119,000 | 120,242,000 | 113,928,000 |
| Noninterest-bearing deposits | 22,898,000 | 24,746,000 | 24,958,000 | 27,739,000 |
| Equity capital | 20,593,000 | 18,789,000 | 19,243,000 | 19,739,000 |
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 | 2,781,000 | 5,369,000 | 8,097,000 | 10,644,000 |
| Interest expense | 762,000 | 1,450,000 | 2,086,000 | 2,667,000 |
| Net interest income | 2,019,000 | 3,919,000 | 6,011,000 | 7,977,000 |
| Noninterest income | 437,000 | 806,000 | 1,233,000 | 1,626,000 |
| Noninterest expense | 1,471,000 | 3,020,000 | 4,636,000 | 6,213,000 |
| Provision for loan losses | 40,000 | 118,000 | 323,000 | 344,000 |
| Pretax income | 945,000 | 1,675,000 | 2,373,000 | 3,134,000 |
| Income tax | 343,000 | 592,000 | 835,000 | 1,103,000 |
| Net income | 602,000 | 1,083,000 | 1,538,000 | 2,031,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 15,057,000 | 13,296,000 | 13,756,000 | 14,254,000 |
| Total capital | 16,014,000 | 14,291,000 | 14,956,000 | 15,438,000 |
| Risk-weighted assets | 153,034,000 | 141,523,000 | 143,484,000 | 145,185,000 |