Call reports 2014
ROCKY MOUNTAIN BANK — 2014
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 211,822,000 | 214,927,000 | 218,349,000 | 218,231,000 |
| Total loans | 140,178,000 | 138,612,000 | 150,714,000 | 152,387,000 |
| Allowance for loan losses | 1,577,000 | 1,552,000 | 1,656,000 | 1,696,000 |
| Securities available for sale | 11,184,000 | 11,173,000 | 11,257,000 | 11,231,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 164,349,000 | 167,387,000 | 170,815,000 | 170,409,000 |
| Interest-bearing deposits | 106,191,000 | 109,523,000 | 107,947,000 | 114,159,000 |
| Noninterest-bearing deposits | 58,158,000 | 57,863,000 | 62,868,000 | 56,249,000 |
| Equity capital | 25,136,000 | 25,358,000 | 25,489,000 | 25,917,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,457,000 | 4,211,000 | 6,011,000 | 8,154,000 |
| Interest expense | 198,000 | 400,000 | 583,000 | 761,000 |
| Net interest income | 2,259,000 | 3,811,000 | 5,428,000 | 7,393,000 |
| Noninterest income | 1,104,000 | 1,198,000 | 1,308,000 | 1,272,000 |
| Noninterest expense | 1,504,000 | 2,994,000 | 4,463,000 | 5,943,000 |
| Provision for loan losses | 101,000 | 101,000 | 218,000 | 268,000 |
| Pretax income | 1,758,000 | 1,914,000 | 2,055,000 | 2,454,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,758,000 | 1,914,000 | 2,055,000 | 2,454,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,904,000 | 22,117,000 | 22,300,000 | 22,748,000 |
| Total capital | 23,481,000 | 23,669,000 | 23,956,000 | 24,444,000 |
| Risk-weighted assets | 130,740,000 | 130,491,000 | 139,428,000 | 141,812,000 |