Call reports 2020
ROCKY MOUNTAIN BANK — 2020
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 576,245,000 | 590,764,000 | 617,169,000 | 616,157,000 |
| Total loans | 341,959,000 | 354,779,000 | 343,103,000 | 330,820,000 |
| Allowance for loan losses | 5,210,000 | 5,392,000 | 5,010,000 | 5,154,000 |
| Securities available for sale | 173,305,000 | 170,649,000 | 215,389,000 | 228,217,000 |
| Securities held to maturity | 12,643,000 | 12,659,000 | 11,758,000 | 11,768,000 |
| Trading assets | 1,427,000 | 1,628,000 | 1,559,000 | 1,302,000 |
| Total deposits | 496,465,000 | 519,029,000 | 533,429,000 | 538,012,000 |
| Interest-bearing deposits | 375,961,000 | 388,261,000 | 377,161,000 | 376,187,000 |
| Noninterest-bearing deposits | 120,504,000 | 130,768,000 | 156,268,000 | 161,825,000 |
| Equity capital | 49,072,000 | 54,520,000 | 55,779,000 | 58,692,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 5,918,000 | 11,652,000 | 16,513,000 | 21,853,000 |
| Interest expense | 699,000 | 1,077,000 | 1,417,000 | 1,721,000 |
| Net interest income | 5,219,000 | 10,575,000 | 15,096,000 | 20,132,000 |
| Noninterest income | 926,000 | 1,825,000 | 2,648,000 | 3,563,000 |
| Noninterest expense | 4,254,000 | 8,106,000 | 11,942,000 | 15,400,000 |
| Provision for loan losses | 1,468,000 | 1,520,000 | 1,639,000 | 1,752,000 |
| Pretax income | 389,000 | 2,776,000 | 4,291,000 | 6,676,000 |
| Income tax | 133,000 | 622,000 | 932,000 | 1,437,000 |
| Net income | 256,000 | 2,154,000 | 3,359,000 | 5,239,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 47,614,000 | 49,512,000 | 49,718,000 | 51,597,000 |
| Total capital | 52,600,000 | 54,445,000 | 54,763,000 | 56,872,000 |
| Risk-weighted assets | 398,073,000 | 393,660,000 | 403,169,000 | 421,655,000 |