Call reports 2004
ROCKY MOUNTAIN BANK — 2004
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 356,899,000 | 382,725,000 | 381,838,000 | 373,354,000 |
| Total loans | 271,074,000 | 283,769,000 | 277,051,000 | 268,207,000 |
| Allowance for loan losses | 2,927,000 | 4,259,000 | 4,263,000 | 4,098,000 |
| Securities available for sale | 50,547,000 | 45,278,000 | 57,407,000 | 58,669,000 |
| Securities held to maturity | 107,000 | 105,000 | 101,000 | 98,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 289,244,000 | 295,203,000 | 293,793,000 | 290,687,000 |
| Interest-bearing deposits | 247,608,000 | 241,732,000 | 247,991,000 | 239,320,000 |
| Noninterest-bearing deposits | 41,636,000 | 53,471,000 | 45,802,000 | 51,367,000 |
| Equity capital | 28,799,000 | 43,968,000 | 46,985,000 | 47,917,000 |
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 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 5,086,000 | 1,631,000 | 6,867,000 | 12,380,000 |
| Interest expense | 1,513,000 | 480,000 | 2,004,000 | 3,331,000 |
| Net interest income | 3,573,000 | 1,151,000 | 4,863,000 | 9,049,000 |
| Noninterest income | 519,000 | 180,000 | 745,000 | 1,321,000 |
| Noninterest expense | 2,516,000 | 909,000 | 3,861,000 | 6,737,000 |
| Provision for loan losses | 134,000 | 0 | 0 | -50,000 |
| Pretax income | 1,445,000 | 422,000 | 1,747,000 | 3,709,000 |
| Income tax | 546,000 | 162,000 | 666,000 | 1,377,000 |
| Net income | 899,000 | 260,000 | 1,081,000 | 2,332,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 27,794,000 | 28,018,000 | 27,442,000 | 29,811,000 |
| Total capital | 30,721,000 | 31,595,000 | 31,025,000 | 33,295,000 |
| Risk-weighted assets | 287,138,000 | 285,618,000 | 285,986,000 | 278,127,000 |
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