Call reports 2004
ROCKY MOUNTAIN BANK — 2004
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 49,293,000 | 49,885,000 | 49,872,000 | 48,957,000 |
| Total loans | 29,375,000 | 29,714,000 | 30,744,000 | 30,988,000 |
| Allowance for loan losses | 355,000 | 318,000 | 321,000 | 274,000 |
| Securities available for sale | 11,081,000 | 13,974,000 | 12,934,000 | 11,393,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,015,000 | 43,572,000 | 43,446,000 | 42,603,000 |
| Interest-bearing deposits | 33,851,000 | 34,042,000 | 32,784,000 | 33,186,000 |
| Noninterest-bearing deposits | 9,164,000 | 9,530,000 | 10,662,000 | 9,417,000 |
| Equity capital | 6,180,000 | 6,206,000 | 6,266,000 | 6,298,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 724,000 | 1,495,000 | 2,236,000 | 2,977,000 |
| Interest expense | 98,000 | 198,000 | 293,000 | 390,000 |
| Net interest income | 626,000 | 1,297,000 | 1,943,000 | 2,587,000 |
| Noninterest income | 35,000 | 70,000 | 100,000 | 133,000 |
| Noninterest expense | 313,000 | 626,000 | 941,000 | 1,288,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 348,000 | 741,000 | 1,102,000 | 1,432,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 348,000 | 741,000 | 1,102,000 | 1,432,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,120,000 | 6,224,000 | 6,294,000 | 6,333,000 |
| Total capital | 6,464,000 | 6,542,000 | 6,615,000 | 6,607,000 |
| Risk-weighted assets | 27,508,000 | 26,516,000 | 27,509,000 | 28,214,000 |