Call reports 2002
ROCKY MOUNTAIN BANK — 2002
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 313,382,000 | 319,928,000 | 336,742,000 | 340,786,000 |
| Total loans | 220,097,000 | 232,158,000 | 243,158,000 | 247,412,000 |
| Allowance for loan losses | 2,556,000 | 2,336,000 | 2,366,000 | 2,571,000 |
| Securities available for sale | 66,786,000 | 55,972,000 | 62,424,000 | 63,405,000 |
| Securities held to maturity | 140,000 | 137,000 | 135,000 | 132,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 251,134,000 | 256,851,000 | 274,736,000 | 277,879,000 |
| Interest-bearing deposits | 217,272,000 | 224,122,000 | 238,503,000 | 240,108,000 |
| Noninterest-bearing deposits | 33,862,000 | 32,729,000 | 36,233,000 | 37,771,000 |
| Equity capital | 23,796,000 | 24,811,000 | 25,123,000 | 25,287,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 5,316,000 | 10,772,000 | 16,210,000 | 21,744,000 |
| Interest expense | 2,068,000 | 4,038,000 | 6,028,000 | 7,949,000 |
| Net interest income | 3,248,000 | 6,734,000 | 10,182,000 | 13,795,000 |
| Noninterest income | 373,000 | 815,000 | 1,266,000 | 1,796,000 |
| Noninterest expense | 2,436,000 | 4,937,000 | 7,540,000 | 10,215,000 |
| Provision for loan losses | 60,000 | 160,000 | 385,000 | 710,000 |
| Pretax income | 1,238,000 | 2,550,000 | 3,637,000 | 4,809,000 |
| Income tax | 468,000 | 967,000 | 1,378,000 | 1,792,000 |
| Net income | 770,000 | 1,583,000 | 2,259,000 | 3,017,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,325,000 | 23,826,000 | 24,102,000 | 24,235,000 |
| Total capital | 25,881,000 | 26,162,000 | 26,468,000 | 26,806,000 |
| Risk-weighted assets | 242,125,000 | 257,956,000 | 264,455,000 | 268,018,000 |