Call reports 2006
ROCKY MOUNTAIN BANK — 2006
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 387,599,000 | 400,694,000 | 441,684,000 | 438,871,000 |
| Total loans | 289,996,000 | 302,702,000 | 324,321,000 | 313,368,000 |
| Allowance for loan losses | 4,246,000 | 4,434,000 | 4,645,000 | 4,044,000 |
| Securities available for sale | 53,996,000 | 54,417,000 | 73,098,000 | 70,870,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 305,266,000 | 320,845,000 | 332,870,000 | 335,053,000 |
| Interest-bearing deposits | 268,105,000 | 282,018,000 | 279,206,000 | 281,100,000 |
| Noninterest-bearing deposits | 37,161,000 | 38,827,000 | 53,664,000 | 53,953,000 |
| Equity capital | 49,291,000 | 49,469,000 | 50,536,000 | 52,405,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 6,103,000 | 12,644,000 | 20,049,000 | 28,076,000 |
| Interest expense | 1,714,000 | 3,882,000 | 6,587,000 | 9,596,000 |
| Net interest income | 4,389,000 | 8,762,000 | 13,462,000 | 18,480,000 |
| Noninterest income | 572,000 | 1,199,000 | 1,926,000 | 2,728,000 |
| Noninterest expense | 3,422,000 | 6,942,000 | 10,421,000 | 13,688,000 |
| Provision for loan losses | 325,000 | 617,000 | 882,000 | 64,000 |
| Pretax income | 1,272,000 | 2,474,000 | 4,128,000 | 7,502,000 |
| Income tax | 443,000 | 865,000 | 1,454,000 | 2,662,000 |
| Net income | 829,000 | 1,609,000 | 2,674,000 | 4,840,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,201,000 | 32,707,000 | 33,498,000 | 35,390,000 |
| Total capital | 36,200,000 | 36,932,000 | 38,028,000 | 39,485,000 |
| Risk-weighted assets | 319,660,000 | 337,741,000 | 361,931,000 | 355,037,000 |