Call reports 2002
ROCKY MOUNTAIN BANK — 2002
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 47,640,000 | 47,210,000 | 48,401,000 | 46,476,000 |
| Total loans | 27,710,000 | 26,088,000 | 28,301,000 | 28,757,000 |
| Allowance for loan losses | 285,000 | 306,000 | 333,000 | 363,000 |
| Securities available for sale | 11,479,000 | 13,615,000 | 11,607,000 | 11,760,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 41,438,000 | 40,790,000 | 41,854,000 | 39,876,000 |
| Interest-bearing deposits | 34,140,000 | 32,939,000 | 33,025,000 | 31,149,000 |
| Noninterest-bearing deposits | 7,298,000 | 7,851,000 | 8,829,000 | 8,727,000 |
| Equity capital | 6,084,000 | 6,271,000 | 6,374,000 | 6,463,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 906,000 | 1,750,000 | 2,567,000 | 3,436,000 |
| Interest expense | 230,000 | 379,000 | 524,000 | 654,000 |
| Net interest income | 676,000 | 1,371,000 | 2,043,000 | 2,782,000 |
| Noninterest income | 32,000 | 60,000 | 104,000 | 128,000 |
| Noninterest expense | 312,000 | 604,000 | 915,000 | 1,245,000 |
| Provision for loan losses | 0 | 30,000 | 60,000 | 90,000 |
| Pretax income | 396,000 | 797,000 | 1,172,000 | 1,581,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 396,000 | 797,000 | 1,172,000 | 1,581,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,006,000 | 6,117,000 | 6,204,000 | 6,323,000 |
| Total capital | 6,291,000 | 6,423,000 | 6,537,000 | 6,665,000 |
| Risk-weighted assets | 27,227,000 | 26,521,000 | 27,490,000 | 27,310,000 |