Call reports 2013
ROCKY MOUNTAIN BANK — 2013
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 457,390,000 | 453,002,000 | 464,221,000 | 467,443,000 |
| Total loans | 276,115,000 | 290,769,000 | 303,456,000 | 317,697,000 |
| Allowance for loan losses | 4,009,000 | 4,404,000 | 4,451,000 | 4,148,000 |
| Securities available for sale | 128,370,000 | 113,058,000 | 107,076,000 | 84,567,000 |
| Securities held to maturity | 12,061,000 | 12,061,000 | 11,821,000 | 27,955,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 380,024,000 | 367,707,000 | 375,950,000 | 380,011,000 |
| Interest-bearing deposits | 304,331,000 | 289,771,000 | 292,514,000 | 299,941,000 |
| Noninterest-bearing deposits | 75,693,000 | 77,936,000 | 83,436,000 | 80,070,000 |
| Equity capital | 52,318,000 | 51,279,000 | 51,833,000 | 50,268,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 4,479,000 | 9,074,000 | 13,860,000 | 18,846,000 |
| Interest expense | 658,000 | 1,293,000 | 1,915,000 | 2,534,000 |
| Net interest income | 3,821,000 | 7,781,000 | 11,945,000 | 16,312,000 |
| Noninterest income | 2,843,000 | 5,453,000 | 7,516,000 | 9,640,000 |
| Noninterest expense | 4,977,000 | 9,981,000 | 15,029,000 | 20,483,000 |
| Provision for loan losses | 345,000 | 846,000 | 820,000 | 1,136,000 |
| Pretax income | 1,696,000 | 2,901,000 | 4,168,000 | 4,884,000 |
| Income tax | 521,000 | 872,000 | 1,223,000 | 1,363,000 |
| Net income | 1,175,000 | 2,029,000 | 2,945,000 | 3,521,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,517,000 | 46,470,000 | 47,485,000 | 46,160,000 |
| Total capital | 49,525,000 | 50,478,000 | 51,732,000 | 50,314,000 |
| Risk-weighted assets | 320,609,000 | 320,228,000 | 338,882,000 | 353,212,000 |
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