Call reports 2013
ROCKY MOUNTAIN BANK — 2013
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 203,473,000 | 198,602,000 | 220,870,000 | 206,067,000 |
| Total loans | 127,614,000 | 131,691,000 | 132,644,000 | 129,066,000 |
| Allowance for loan losses | 1,991,000 | 1,474,000 | 1,474,000 | 1,475,000 |
| Securities available for sale | 11,266,000 | 9,219,000 | 5,700,000 | 6,143,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 146,726,000 | 152,304,000 | 175,047,000 | 160,272,000 |
| Interest-bearing deposits | 92,517,000 | 91,989,000 | 107,366,000 | 100,853,000 |
| Noninterest-bearing deposits | 54,209,000 | 60,315,000 | 67,681,000 | 59,419,000 |
| Equity capital | 19,551,000 | 18,746,000 | 23,136,000 | 23,386,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,558,000 | 2,764,000 | 4,744,000 | 6,535,000 |
| Interest expense | 337,000 | 656,000 | 907,000 | 1,127,000 |
| Net interest income | 1,221,000 | 2,108,000 | 3,837,000 | 5,408,000 |
| Noninterest income | 68,000 | 191,000 | 292,000 | 463,000 |
| Noninterest expense | 1,525,000 | 3,079,000 | 4,511,000 | 5,976,000 |
| Provision for loan losses | 0 | 230,000 | 230,000 | 230,000 |
| Pretax income | -236,000 | -1,010,000 | -612,000 | -335,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -236,000 | -1,010,000 | -612,000 | -335,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 16,092,000 | 15,336,000 | 19,775,000 | 20,089,000 |
| Total capital | 17,676,000 | 16,810,000 | 21,249,000 | 21,564,000 |
| Risk-weighted assets | 126,269,000 | 129,528,000 | 129,208,000 | 128,852,000 |