Call reports 2008
ROCKY MOUNTAIN BANK — 2008
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 332,836,000 | 306,455,000 | 344,003,000 | 352,828,000 |
| Total loans | 222,608,000 | 236,861,000 | 262,757,000 | 264,771,000 |
| Allowance for loan losses | 2,197,000 | 2,425,000 | 2,845,000 | 3,556,000 |
| Securities available for sale | 18,447,000 | 10,004,000 | 9,946,000 | 9,989,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 225,139,000 | 199,510,000 | 237,209,000 | 250,866,000 |
| Interest-bearing deposits | 200,324,000 | 174,968,000 | 207,260,000 | 225,715,000 |
| Noninterest-bearing deposits | 24,815,000 | 24,542,000 | 29,949,000 | 25,151,000 |
| Equity capital | 35,125,000 | 34,376,000 | 34,074,000 | 28,534,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 5,657,000 | 9,996,000 | 14,273,000 | 18,468,000 |
| Interest expense | 2,449,000 | 4,472,000 | 6,191,000 | 8,411,000 |
| Net interest income | 3,208,000 | 5,524,000 | 8,082,000 | 10,057,000 |
| Noninterest income | 259,000 | 617,000 | 879,000 | 1,336,000 |
| Noninterest expense | 1,811,000 | 3,776,000 | 6,014,000 | 8,633,000 |
| Provision for loan losses | 702,000 | 923,000 | 1,343,000 | 5,679,000 |
| Pretax income | 954,000 | 1,442,000 | 1,604,000 | -2,919,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 954,000 | 1,442,000 | 1,604,000 | -2,919,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,598,000 | 30,942,000 | 30,671,000 | 25,067,000 |
| Total capital | 33,795,000 | 33,367,000 | 33,516,000 | 28,623,000 |
| Risk-weighted assets | 256,184,000 | 261,986,000 | 290,074,000 | 285,953,000 |