Call reports 2015
ROCKY MOUNTAIN BANK — 2015
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 477,799,000 | 508,261,000 | 501,092,000 | 491,522,000 |
| Total loans | 350,436,000 | 378,466,000 | 387,519,000 | 371,945,000 |
| Allowance for loan losses | 3,155,000 | 3,347,000 | 3,588,000 | 3,285,000 |
| Securities available for sale | 54,365,000 | 66,561,000 | 52,380,000 | 53,217,000 |
| Securities held to maturity | 27,470,000 | 27,425,000 | 27,140,000 | 27,082,000 |
| Trading assets | 0 | 55,000 | 197,000 | 174,000 |
| Total deposits | 407,958,000 | 417,646,000 | 428,234,000 | 417,426,000 |
| Interest-bearing deposits | 313,890,000 | 328,525,000 | 326,530,000 | 314,390,000 |
| Noninterest-bearing deposits | 94,068,000 | 89,121,000 | 101,704,000 | 103,036,000 |
| Equity capital | 50,693,000 | 50,734,000 | 51,492,000 | 48,665,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 4,914,000 | 10,012,000 | 15,264,000 | 20,512,000 |
| Interest expense | 425,000 | 786,000 | 1,111,000 | 1,433,000 |
| Net interest income | 4,489,000 | 9,226,000 | 14,153,000 | 19,079,000 |
| Noninterest income | 2,176,000 | 5,126,000 | 8,090,000 | 11,047,000 |
| Noninterest expense | 5,300,000 | 10,840,000 | 16,434,000 | 22,240,000 |
| Provision for loan losses | -305,000 | 129,000 | 386,000 | 124,000 |
| Pretax income | 1,689,000 | 3,456,000 | 5,666,000 | 8,005,000 |
| Income tax | 533,000 | 1,104,000 | 1,842,000 | 2,676,000 |
| Net income | 1,156,000 | 2,352,000 | 3,824,000 | 5,329,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,550,000 | 45,996,000 | 46,967,000 | 45,255,000 |
| Total capital | 48,708,000 | 49,346,000 | 50,561,000 | 48,543,000 |
| Risk-weighted assets | 401,109,000 | 413,795,000 | 411,534,000 | 399,868,000 |