Call reports 2010
ROCKY MOUNTAIN BANK — 2010
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 454,558,000 | 439,241,000 | 438,923,000 | 417,781,000 |
| Total loans | 281,851,000 | 274,155,000 | 262,500,000 | 246,331,000 |
| Allowance for loan losses | 7,434,000 | 6,465,000 | 5,181,000 | 3,779,000 |
| Securities available for sale | 121,660,000 | 110,475,000 | 117,704,000 | 116,714,000 |
| Securities held to maturity | 12,784,000 | 12,784,000 | 12,543,000 | 12,543,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 363,842,000 | 350,636,000 | 349,852,000 | 347,925,000 |
| Interest-bearing deposits | 314,986,000 | 303,955,000 | 296,938,000 | 296,059,000 |
| Noninterest-bearing deposits | 48,856,000 | 46,681,000 | 52,915,000 | 51,866,000 |
| Equity capital | 46,935,000 | 48,699,000 | 48,682,000 | 49,383,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 5,640,000 | 10,985,000 | 16,241,000 | 21,279,000 |
| Interest expense | 1,639,000 | 3,140,000 | 4,601,000 | 5,950,000 |
| Net interest income | 4,001,000 | 7,845,000 | 11,640,000 | 15,329,000 |
| Noninterest income | 639,000 | 1,409,000 | 2,361,000 | 3,935,000 |
| Noninterest expense | 3,319,000 | 5,378,000 | 9,812,000 | 12,886,000 |
| Provision for loan losses | 2,368,000 | 3,624,000 | 4,284,000 | 4,793,000 |
| Pretax income | -1,030,000 | 883,000 | 648,000 | 2,331,000 |
| Income tax | -433,000 | 275,000 | 736,000 | 1,025,000 |
| Net income | -597,000 | 608,000 | -88,000 | 1,306,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,928,000 | 40,234,000 | 41,276,000 | 42,769,000 |
| Total capital | 43,035,000 | 44,240,000 | 45,180,000 | 46,474,000 |
| Risk-weighted assets | 324,044,000 | 318,001,000 | 311,034,000 | 296,322,000 |