Call reports 2010
ROCKY MOUNTAIN BANK — 2010
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 315,018,000 | 353,431,000 | 315,855,000 | 286,994,000 |
| Total loans | 257,276,000 | 247,546,000 | 208,169,000 | 184,698,000 |
| Allowance for loan losses | 11,323,000 | 11,186,000 | 8,852,000 | 10,456,000 |
| Securities available for sale | 9,998,000 | 10,083,000 | 9,588,000 | 10,124,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 236,606,000 | 272,767,000 | 257,638,000 | 234,052,000 |
| Interest-bearing deposits | 198,487,000 | 247,411,000 | 221,072,000 | 206,658,000 |
| Noninterest-bearing deposits | 38,119,000 | 25,356,000 | 36,566,000 | 27,394,000 |
| Equity capital | 27,492,000 | 29,539,000 | 22,239,000 | 15,923,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 4,109,000 | 7,916,000 | 11,156,000 | 13,826,000 |
| Interest expense | 1,264,000 | 2,616,000 | 3,969,000 | 5,070,000 |
| Net interest income | 2,845,000 | 5,300,000 | 7,187,000 | 8,756,000 |
| Noninterest income | 644,000 | 585,000 | 634,000 | 378,000 |
| Noninterest expense | 2,709,000 | 4,994,000 | 7,348,000 | 13,420,000 |
| Provision for loan losses | 7,400,000 | 7,975,000 | 14,811,000 | 18,399,000 |
| Pretax income | -6,620,000 | -7,084,000 | -14,338,000 | -22,685,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -6,620,000 | -7,084,000 | -14,338,000 | -22,685,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,187,000 | 26,264,000 | 18,988,000 | 15,754,000 |
| Total capital | 27,523,000 | 29,454,000 | 21,763,000 | 18,355,000 |
| Risk-weighted assets | 258,891,000 | 247,221,000 | 215,916,000 | 200,189,000 |