Call reports 2006
ROCKY MOUNTAIN BANK — 2006
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 116,444,000 | 123,668,000 | 128,538,000 | 218,078,000 |
| Total loans | 67,058,000 | 90,054,000 | 99,218,000 | 123,706,000 |
| Allowance for loan losses | 405,000 | 681,000 | 767,000 | 946,000 |
| Securities available for sale | 11,392,000 | 20,186,000 | 12,726,000 | 18,295,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,898,000 | 97,749,000 | 108,770,000 | 192,329,000 |
| Interest-bearing deposits | 81,046,000 | 82,023,000 | 81,530,000 | 163,869,000 |
| Noninterest-bearing deposits | 16,852,000 | 15,726,000 | 27,240,000 | 28,460,000 |
| Equity capital | 18,346,000 | 18,654,000 | 19,248,000 | 24,735,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,293,000 | 3,286,000 | 5,661,000 | 8,772,000 |
| Interest expense | 316,000 | 1,003,000 | 1,901,000 | 3,305,000 |
| Net interest income | 977,000 | 2,283,000 | 3,760,000 | 5,467,000 |
| Noninterest income | 152,000 | 423,000 | 871,000 | 1,129,000 |
| Noninterest expense | 803,000 | 1,747,000 | 2,836,000 | 3,644,000 |
| Provision for loan losses | 100,000 | 377,000 | 460,000 | 640,000 |
| Pretax income | 226,000 | 582,000 | 1,335,000 | 2,312,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 226,000 | 582,000 | 1,335,000 | 2,312,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,636,000 | 15,021,000 | 15,589,000 | 21,095,000 |
| Total capital | 15,041,000 | 15,702,000 | 16,356,000 | 22,041,000 |
| Risk-weighted assets | 73,132,000 | 96,652,000 | 102,484,000 | 169,857,000 |