Call reports 2009
ROCKY MOUNTAIN BANK — 2009
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 346,721,000 | 341,908,000 | 327,867,000 | 338,897,000 |
| Total loans | 264,466,000 | 274,399,000 | 262,423,000 | 260,830,000 |
| Allowance for loan losses | 3,626,000 | 3,885,000 | 4,119,000 | 3,924,000 |
| Securities available for sale | 11,925,000 | 9,414,000 | 9,364,000 | 10,036,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 265,725,000 | 260,099,000 | 243,891,000 | 253,198,000 |
| Interest-bearing deposits | 240,168,000 | 237,626,000 | 217,488,000 | 211,434,000 |
| Noninterest-bearing deposits | 25,557,000 | 22,473,000 | 26,404,000 | 41,764,000 |
| Equity capital | 29,610,000 | 30,052,000 | 32,953,000 | 34,079,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 4,205,000 | 8,314,000 | 12,670,000 | 17,102,000 |
| Interest expense | 1,935,000 | 3,651,000 | 5,164,000 | 6,477,000 |
| Net interest income | 2,270,000 | 4,663,000 | 7,506,000 | 10,625,000 |
| Noninterest income | 733,000 | 1,236,000 | 1,815,000 | 2,244,000 |
| Noninterest expense | 2,171,000 | 4,906,000 | 7,231,000 | 9,880,000 |
| Provision for loan losses | 265,000 | 1,790,000 | 2,040,000 | 1,860,000 |
| Pretax income | 567,000 | -797,000 | 50,000 | 1,129,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 567,000 | -797,000 | 50,000 | 1,129,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 26,196,000 | 26,651,000 | 29,571,000 | 30,733,000 |
| Total capital | 29,667,000 | 30,091,000 | 32,966,000 | 34,094,000 |
| Risk-weighted assets | 277,552,000 | 274,786,000 | 270,893,000 | 268,272,000 |