Call reports 2008
ROCKY MOUNTAIN BANK — 2008
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 446,084,000 | 452,120,000 | 460,651,000 | 476,354,000 |
| Total loans | 314,790,000 | 324,212,000 | 338,088,000 | 328,454,000 |
| Allowance for loan losses | 4,319,000 | 4,774,000 | 4,983,000 | 4,679,000 |
| Securities available for sale | 74,963,000 | 83,585,000 | 75,631,000 | 81,378,000 |
| Securities held to maturity | 0 | 0 | 3,371,000 | 4,146,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 337,577,000 | 327,771,000 | 344,104,000 | 370,630,000 |
| Interest-bearing deposits | 286,442,000 | 277,038,000 | 295,255,000 | 320,088,000 |
| Noninterest-bearing deposits | 51,135,000 | 50,733,000 | 48,849,000 | 50,542,000 |
| Equity capital | 51,918,000 | 50,211,000 | 49,643,000 | 51,330,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 6,821,000 | 13,549,000 | 20,520,000 | 27,126,000 |
| Interest expense | 2,663,000 | 5,158,000 | 7,655,000 | 10,278,000 |
| Net interest income | 4,158,000 | 8,391,000 | 12,865,000 | 16,848,000 |
| Noninterest income | 599,000 | 1,544,000 | 2,240,000 | 3,080,000 |
| Noninterest expense | 3,284,000 | 6,475,000 | 9,781,000 | 12,619,000 |
| Provision for loan losses | 407,000 | 818,000 | 1,223,000 | 4,783,000 |
| Pretax income | 1,071,000 | 2,685,000 | 4,149,000 | 2,577,000 |
| Income tax | 428,000 | 1,015,000 | 1,620,000 | 1,069,000 |
| Net income | 643,000 | 1,670,000 | 2,529,000 | 1,508,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,289,000 | 33,415,000 | 35,373,000 | 35,951,000 |
| Total capital | 38,660,000 | 37,982,000 | 40,066,000 | 40,564,000 |
| Risk-weighted assets | 360,138,000 | 364,730,000 | 374,951,000 | 368,713,000 |