Call reports 2019
ROCKY MOUNTAIN BANK — 2019
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 489,135,000 | 503,126,000 | 528,094,000 | 533,129,000 |
| Total loans | 336,484,000 | 345,407,000 | 350,865,000 | 344,423,000 |
| Allowance for loan losses | 3,790,000 | 4,438,000 | 4,745,000 | 4,553,000 |
| Securities available for sale | 85,638,000 | 88,383,000 | 103,853,000 | 128,760,000 |
| Securities held to maturity | 12,817,000 | 12,832,000 | 12,608,000 | 12,625,000 |
| Trading assets | 130,000 | 223,000 | 377,000 | 245,000 |
| Total deposits | 426,504,000 | 438,349,000 | 462,825,000 | 468,315,000 |
| Interest-bearing deposits | 323,355,000 | 335,478,000 | 347,386,000 | 365,923,000 |
| Noninterest-bearing deposits | 103,149,000 | 102,871,000 | 115,439,000 | 102,392,000 |
| Equity capital | 52,541,000 | 52,723,000 | 52,579,000 | 53,259,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 5,531,000 | 11,226,000 | 16,996,000 | 22,623,000 |
| Interest expense | 568,000 | 1,224,000 | 1,983,000 | 2,745,000 |
| Net interest income | 4,963,000 | 10,002,000 | 15,013,000 | 19,878,000 |
| Noninterest income | 1,026,000 | 2,038,000 | 2,821,000 | 3,140,000 |
| Noninterest expense | 4,006,000 | 8,134,000 | 12,255,000 | 16,374,000 |
| Provision for loan losses | 252,000 | 1,076,000 | 1,808,000 | 1,693,000 |
| Pretax income | 1,718,000 | 2,708,000 | 3,655,000 | 4,835,000 |
| Income tax | 361,000 | 572,000 | 798,000 | 1,026,000 |
| Net income | 1,357,000 | 2,136,000 | 2,857,000 | 3,809,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 48,223,000 | 48,003,000 | 47,723,000 | 48,692,000 |
| Total capital | 52,033,000 | 52,461,000 | 52,489,000 | 53,266,000 |
| Risk-weighted assets | 360,001,000 | 374,726,000 | 386,505,000 | 385,846,000 |