Call reports 2011
ROCKY MOUNTAIN BANK — 2011
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 417,846,000 | 419,697,000 | 425,132,000 | 440,804,000 |
| Total loans | 239,449,000 | 248,500,000 | 252,987,000 | 259,322,000 |
| Allowance for loan losses | 4,425,000 | 4,074,000 | 3,953,000 | 3,865,000 |
| Securities available for sale | 114,780,000 | 109,688,000 | 123,358,000 | 119,680,000 |
| Securities held to maturity | 12,543,000 | 12,543,000 | 12,302,000 | 12,302,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 348,724,000 | 349,299,000 | 356,353,000 | 365,373,000 |
| Interest-bearing deposits | 295,848,000 | 295,448,000 | 297,050,000 | 297,929,000 |
| Noninterest-bearing deposits | 52,876,000 | 53,851,000 | 59,303,000 | 67,444,000 |
| Equity capital | 48,687,000 | 49,938,000 | 51,113,000 | 51,411,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 4,734,000 | 9,442,000 | 14,178,000 | 18,986,000 |
| Interest expense | 1,152,000 | 2,245,000 | 3,198,000 | 4,112,000 |
| Net interest income | 3,582,000 | 7,197,000 | 10,980,000 | 14,874,000 |
| Noninterest income | 736,000 | 667,000 | 1,309,000 | 2,383,000 |
| Noninterest expense | 3,444,000 | 5,529,000 | 8,298,000 | 11,472,000 |
| Provision for loan losses | 1,538,000 | 2,411,000 | 3,092,000 | 4,609,000 |
| Pretax income | -1,102,000 | -142,000 | 1,114,000 | 1,740,000 |
| Income tax | -472,000 | -159,000 | 318,000 | 451,000 |
| Net income | -630,000 | 17,000 | 796,000 | 1,289,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 42,235,000 | 42,980,000 | 43,860,000 | 44,452,000 |
| Total capital | 45,890,000 | 46,658,000 | 47,560,000 | 48,182,000 |
| Risk-weighted assets | 291,606,000 | 293,846,000 | 295,750,000 | 298,232,000 |