Call reports 2016
ROCKY MOUNTAIN BANK — 2016
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 479,010,000 | 473,583,000 | 481,346,000 | 477,063,000 |
| Total loans | 367,981,000 | 366,705,000 | 360,389,000 | 349,141,000 |
| Allowance for loan losses | 3,352,000 | 3,391,000 | 3,319,000 | 3,480,000 |
| Securities available for sale | 52,420,000 | 45,715,000 | 51,701,000 | 67,629,000 |
| Securities held to maturity | 26,464,000 | 26,423,000 | 25,894,000 | 25,825,000 |
| Trading assets | 399,000 | 531,000 | 541,000 | 227,000 |
| Total deposits | 409,787,000 | 405,888,000 | 420,582,000 | 414,344,000 |
| Interest-bearing deposits | 316,323,000 | 312,125,000 | 317,999,000 | 316,182,000 |
| Noninterest-bearing deposits | 93,464,000 | 93,763,000 | 102,583,000 | 98,162,000 |
| Equity capital | 49,625,000 | 49,635,000 | 49,548,000 | 49,164,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 5,157,000 | 10,292,000 | 15,371,000 | 20,444,000 |
| Interest expense | 329,000 | 648,000 | 948,000 | 1,253,000 |
| Net interest income | 4,828,000 | 9,644,000 | 14,423,000 | 19,191,000 |
| Noninterest income | 2,520,000 | 5,936,000 | 9,459,000 | 12,295,000 |
| Noninterest expense | 5,524,000 | 11,482,000 | 17,721,000 | 23,242,000 |
| Provision for loan losses | 197,000 | 276,000 | 239,000 | 438,000 |
| Pretax income | 1,608,000 | 3,892,000 | 5,991,000 | 7,858,000 |
| Income tax | 544,000 | 1,343,000 | 1,987,000 | 2,625,000 |
| Net income | 1,064,000 | 2,549,000 | 4,004,000 | 5,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,875,000 | 45,910,000 | 45,913,000 | 46,702,000 |
| Total capital | 49,231,000 | 49,306,000 | 49,236,000 | 50,188,000 |
| Risk-weighted assets | 389,484,000 | 382,367,000 | 381,845,000 | 365,675,000 |