Call reports 2005
ROCKY MOUNTAIN BANK — 2005
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 374,017,000 | 386,324,000 | 405,614,000 | 387,906,000 |
| Total loans | 264,191,000 | 278,726,000 | 275,560,000 | 282,170,000 |
| Allowance for loan losses | 4,077,000 | 4,102,000 | 4,049,000 | 4,048,000 |
| Securities available for sale | 59,931,000 | 61,688,000 | 57,479,000 | 58,261,000 |
| Securities held to maturity | 96,000 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 290,402,000 | 293,948,000 | 314,132,000 | 306,966,000 |
| Interest-bearing deposits | 242,854,000 | 245,791,000 | 270,942,000 | 262,228,000 |
| Noninterest-bearing deposits | 47,548,000 | 48,157,000 | 43,190,000 | 44,738,000 |
| Equity capital | 48,044,000 | 49,073,000 | 49,725,000 | 48,938,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 4,985,000 | 10,031,000 | 15,827,000 | 21,724,000 |
| Interest expense | 1,424,000 | 3,066,000 | 4,842,000 | 6,656,000 |
| Net interest income | 3,561,000 | 6,965,000 | 10,985,000 | 15,068,000 |
| Noninterest income | 487,000 | 1,304,000 | 1,752,000 | 2,373,000 |
| Noninterest expense | 3,340,000 | 6,646,000 | 9,881,000 | 13,083,000 |
| Provision for loan losses | 125,000 | 218,000 | 257,000 | 388,000 |
| Pretax income | 651,000 | 1,453,000 | 2,706,000 | 4,116,000 |
| Income tax | 219,000 | 469,000 | 905,000 | 1,360,000 |
| Net income | 432,000 | 984,000 | 1,801,000 | 2,756,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,385,000 | 31,071,000 | 32,040,000 | 31,647,000 |
| Total capital | 33,865,000 | 34,855,000 | 35,881,000 | 35,565,000 |
| Risk-weighted assets | 277,782,000 | 302,375,000 | 307,081,000 | 313,283,000 |