Call reports 2004
COMMUNITY BANKS OF THE ROCKIES — 2004
What COMMUNITY BANKS OF THE ROCKIES reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Total assets | 172,204,000 | 180,324,000 |
| Total loans | 144,716,000 | 139,662,000 |
| Allowance for loan losses | 1,193,000 | 1,122,000 |
| Securities available for sale | 5,418,000 | 5,357,000 |
| Securities held to maturity | 0 | 0 |
| Trading assets | 0 | 0 |
| Total deposits | 145,057,000 | 151,988,000 |
| Interest-bearing deposits | 117,768,000 | 124,705,000 |
| Noninterest-bearing deposits | 27,289,000 | 27,283,000 |
| Equity capital | 20,362,000 | 20,930,000 |
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 |
|---|---|---|
| Interest income | 2,454,000 | 4,867,000 |
| Interest expense | 483,000 | 968,000 |
| Net interest income | 1,971,000 | 3,899,000 |
| Noninterest income | 479,000 | 968,000 |
| Noninterest expense | 1,508,000 | 3,091,000 |
| Provision for loan losses | 7,000 | -57,000 |
| Pretax income | 970,000 | 1,868,000 |
| Income tax | 342,000 | 661,000 |
| Net income | 628,000 | 1,207,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 |
|---|---|---|
| Tier 1 capital | 14,888,000 | 15,474,000 |
| Total capital | 16,081,000 | 16,596,000 |
| Risk-weighted assets | 138,145,000 | 137,167,000 |