Call reports 2003
ROCKY MOUNTAIN BANK — 2003
What ROCKY MOUNTAIN BANK 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 | 350,754,000 | 358,266,000 | 364,656,000 | 366,682,000 |
| Total loans | 251,753,000 | 267,857,000 | 277,748,000 | 265,427,000 |
| Allowance for loan losses | 2,692,000 | 2,740,000 | 2,803,000 | 2,869,000 |
| Securities available for sale | 70,946,000 | 52,298,000 | 47,342,000 | 52,187,000 |
| Securities held to maturity | 129,000 | 120,000 | 118,000 | 115,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 277,843,000 | 283,840,000 | 292,982,000 | 297,114,000 |
| Interest-bearing deposits | 242,652,000 | 243,927,000 | 249,077,000 | 249,028,000 |
| Noninterest-bearing deposits | 35,191,000 | 39,913,000 | 43,905,000 | 48,086,000 |
| Equity capital | 25,397,000 | 26,932,000 | 28,224,000 | 27,950,000 |
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 | 5,294,000 | 10,940,000 | 16,386,000 | 20,708,000 |
| Interest expense | 1,776,000 | 3,591,000 | 5,363,000 | 6,999,000 |
| Net interest income | 3,518,000 | 7,349,000 | 11,023,000 | 13,709,000 |
| Noninterest income | 405,000 | 864,000 | 1,361,000 | 2,637,000 |
| Noninterest expense | 2,593,000 | 5,298,000 | 8,033,000 | 11,139,000 |
| Provision for loan losses | 120,000 | 240,000 | 360,000 | 480,000 |
| Pretax income | 1,331,000 | 2,802,000 | 4,063,000 | 4,774,000 |
| Income tax | 504,000 | 1,060,000 | 1,538,000 | 1,965,000 |
| Net income | 827,000 | 1,742,000 | 2,525,000 | 2,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,501,000 | 26,115,000 | 27,348,000 | 27,332,000 |
| Total capital | 27,193,000 | 28,855,000 | 30,151,000 | 30,201,000 |
| Risk-weighted assets | 276,134,000 | 288,449,000 | 293,900,000 | 289,306,000 |