Call reports 2009
ROCKY MOUNTAIN BANK — 2009
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 481,122,000 | 470,220,000 | 468,695,000 | 469,723,000 |
| Total loans | 314,320,000 | 316,261,000 | 304,204,000 | 293,007,000 |
| Allowance for loan losses | 4,938,000 | 5,744,000 | 6,152,000 | 5,897,000 |
| Securities available for sale | 115,685,000 | 108,215,000 | 111,257,000 | 117,651,000 |
| Securities held to maturity | 4,145,000 | 4,144,000 | 3,904,000 | 3,904,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 375,707,000 | 364,159,000 | 364,571,000 | 376,486,000 |
| Interest-bearing deposits | 331,412,000 | 320,149,000 | 320,231,000 | 330,072,000 |
| Noninterest-bearing deposits | 44,295,000 | 44,010,000 | 44,340,000 | 46,415,000 |
| Equity capital | 51,584,000 | 51,383,000 | 52,432,000 | 47,360,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,604,000 | 12,795,000 | 18,887,000 | 24,798,000 |
| Interest expense | 2,332,000 | 4,586,000 | 6,759,000 | 8,808,000 |
| Net interest income | 4,272,000 | 8,209,000 | 12,128,000 | 15,990,000 |
| Noninterest income | 1,068,000 | 2,483,000 | 3,534,000 | 4,569,000 |
| Noninterest expense | 3,468,000 | 7,253,000 | 10,531,000 | 20,974,000 |
| Provision for loan losses | 751,000 | 2,286,000 | 4,885,000 | 5,189,000 |
| Pretax income | 1,124,000 | 1,333,000 | 430,000 | -5,416,000 |
| Income tax | 401,000 | 407,000 | -34,000 | 518,000 |
| Net income | 723,000 | 926,000 | 464,000 | -5,934,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 36,773,000 | 37,076,000 | 36,661,000 | 39,426,000 |
| Total capital | 41,322,000 | 41,463,000 | 40,995,000 | 43,619,000 |
| Risk-weighted assets | 363,360,000 | 348,811,000 | 344,902,000 | 332,410,000 |