Call reports 2005
ROCKY MOUNTAIN BANK — 2005
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 49,658,000 | 83,547,000 | 94,927,000 | 100,401,000 |
| Total loans | 35,228,000 | 34,004,000 | 45,127,000 | 48,627,000 |
| Allowance for loan losses | 287,000 | 294,000 | 297,000 | 304,000 |
| Securities available for sale | 11,358,000 | 12,303,000 | 11,744,000 | 11,709,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 43,278,000 | 69,315,000 | 77,729,000 | 82,789,000 |
| Interest-bearing deposits | 33,653,000 | 46,337,000 | 64,805,000 | 69,997,000 |
| Noninterest-bearing deposits | 9,625,000 | 22,978,000 | 12,924,000 | 12,792,000 |
| Equity capital | 6,303,000 | 14,135,000 | 17,031,000 | 17,430,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 667,000 | 63,000 | 1,115,000 | 2,336,000 |
| Interest expense | 101,000 | 9,000 | 254,000 | 592,000 |
| Net interest income | 566,000 | 54,000 | 861,000 | 1,744,000 |
| Noninterest income | 98,000 | 9,000 | 197,000 | 388,000 |
| Noninterest expense | 382,000 | 28,000 | 513,000 | 1,187,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 282,000 | 35,000 | 545,000 | 945,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 282,000 | 35,000 | 545,000 | 945,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,322,000 | 10,340,000 | 13,278,000 | 13,706,000 |
| Total capital | 6,609,000 | 10,634,000 | 13,575,000 | 14,010,000 |
| Risk-weighted assets | 30,501,000 | 39,781,000 | 44,981,000 | 58,765,000 |