Call reports 2014
ROCKY MOUNTAIN BANK — 2014
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 456,201,000 | 472,079,000 | 480,304,000 | 468,672,000 |
| Total loans | 320,526,000 | 345,974,000 | 363,140,000 | 358,637,000 |
| Allowance for loan losses | 3,965,000 | 4,179,000 | 4,048,000 | 3,450,000 |
| Securities available for sale | 70,733,000 | 62,849,000 | 49,546,000 | 47,170,000 |
| Securities held to maturity | 27,908,000 | 27,862,000 | 27,575,000 | 27,515,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 379,017,000 | 384,856,000 | 395,728,000 | 395,609,000 |
| Interest-bearing deposits | 295,999,000 | 298,834,000 | 297,600,000 | 301,171,000 |
| Noninterest-bearing deposits | 83,018,000 | 86,022,000 | 98,128,000 | 94,438,000 |
| Equity capital | 47,991,000 | 48,850,000 | 50,074,000 | 49,173,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 4,751,000 | 9,719,000 | 14,938,000 | 20,424,000 |
| Interest expense | 523,000 | 1,032,000 | 1,525,000 | 1,969,000 |
| Net interest income | 4,228,000 | 8,687,000 | 13,413,000 | 18,455,000 |
| Noninterest income | 1,778,000 | 3,365,000 | 6,217,000 | 8,472,000 |
| Noninterest expense | 5,227,000 | 10,549,000 | 16,075,000 | 21,594,000 |
| Provision for loan losses | -429,000 | -182,000 | -137,000 | -906,000 |
| Pretax income | 1,518,000 | 1,950,000 | 4,133,000 | 6,690,000 |
| Income tax | 469,000 | 513,000 | 1,247,000 | 2,120,000 |
| Net income | 1,049,000 | 1,437,000 | 2,886,000 | 4,570,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 43,308,000 | 43,762,000 | 45,211,000 | 44,394,000 |
| Total capital | 47,279,000 | 47,947,000 | 49,264,000 | 47,848,000 |
| Risk-weighted assets | 349,425,000 | 368,808,000 | 380,682,000 | 374,472,000 |
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