Call reports 2012
ROCKY MOUNTAIN BANK — 2012
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 432,902,000 | 443,493,000 | 435,283,000 | 465,600,000 |
| Total loans | 269,946,000 | 283,843,000 | 292,525,000 | 285,567,000 |
| Allowance for loan losses | 4,204,000 | 4,325,000 | 4,134,000 | 4,072,000 |
| Securities available for sale | 110,850,000 | 91,168,000 | 88,488,000 | 107,106,000 |
| Securities held to maturity | 12,302,000 | 12,302,000 | 12,061,000 | 12,061,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 362,307,000 | 356,045,000 | 354,396,000 | 372,135,000 |
| Interest-bearing deposits | 291,823,000 | 286,733,000 | 285,150,000 | 291,896,000 |
| Noninterest-bearing deposits | 70,484,000 | 69,312,000 | 69,246,000 | 80,239,000 |
| Equity capital | 52,944,000 | 54,730,000 | 56,250,000 | 56,154,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 4,885,000 | 10,062,000 | 14,926,000 | 19,683,000 |
| Interest expense | 793,000 | 1,549,000 | 2,278,000 | 2,961,000 |
| Net interest income | 4,092,000 | 8,513,000 | 12,648,000 | 16,722,000 |
| Noninterest income | 1,204,000 | 3,173,000 | 4,540,000 | 8,173,000 |
| Noninterest expense | 3,727,000 | 7,530,000 | 11,710,000 | 16,708,000 |
| Provision for loan losses | 260,000 | 213,000 | 107,000 | -427,000 |
| Pretax income | 1,339,000 | 4,582,000 | 6,545,000 | 9,650,000 |
| Income tax | 376,000 | 1,530,000 | 2,178,000 | 3,254,000 |
| Net income | 963,000 | 3,052,000 | 4,367,000 | 6,396,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,514,000 | 47,702,000 | 49,116,000 | 49,243,000 |
| Total capital | 49,356,000 | 51,739,000 | 53,174,000 | 53,291,000 |
| Risk-weighted assets | 307,023,000 | 322,688,000 | 324,575,000 | 323,774,000 |