Call reports 2007
ROCKY MOUNTAIN BANK — 2007
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 447,045,000 | 436,542,000 | 431,850,000 | 427,437,000 |
| Total loans | 329,407,000 | 320,187,000 | 317,538,000 | 318,851,000 |
| Allowance for loan losses | 4,263,000 | 4,287,000 | 4,041,000 | 4,061,000 |
| Securities available for sale | 73,366,000 | 71,910,000 | 66,305,000 | 64,220,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 345,618,000 | 324,151,000 | 323,306,000 | 305,933,000 |
| Interest-bearing deposits | 296,620,000 | 274,370,000 | 268,859,000 | 257,811,000 |
| Noninterest-bearing deposits | 48,998,000 | 49,781,000 | 54,447,000 | 48,122,000 |
| Equity capital | 53,488,000 | 54,391,000 | 51,587,000 | 51,869,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 7,594,000 | 15,672,000 | 23,598,000 | 30,973,000 |
| Interest expense | 3,098,000 | 6,414,000 | 9,589,000 | 12,562,000 |
| Net interest income | 4,496,000 | 9,258,000 | 14,009,000 | 18,411,000 |
| Noninterest income | 642,000 | 3,911,000 | 4,776,000 | 5,546,000 |
| Noninterest expense | 3,454,000 | 6,952,000 | 10,258,000 | 13,191,000 |
| Provision for loan losses | 228,000 | 402,000 | 200,000 | 317,000 |
| Pretax income | 1,495,000 | 5,864,000 | 8,381,000 | 10,507,000 |
| Income tax | 541,000 | 2,181,000 | 3,085,000 | 3,885,000 |
| Net income | 954,000 | 3,683,000 | 5,296,000 | 6,622,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,470,000 | 38,160,000 | 34,872,000 | 34,797,000 |
| Total capital | 40,783,000 | 42,492,000 | 38,958,000 | 38,910,000 |
| Risk-weighted assets | 366,129,000 | 356,456,000 | 355,384,000 | 359,028,000 |