Call reports 2015
ROCKY MOUNTAIN BANK — 2015
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 235,636,000 | 245,141,000 | 258,885,000 | 248,436,000 |
| Total loans | 156,874,000 | 170,394,000 | 175,851,000 | 181,480,000 |
| Allowance for loan losses | 1,743,000 | 1,879,000 | 1,925,000 | 2,066,000 |
| Securities available for sale | 11,031,000 | 10,497,000 | 8,413,000 | 8,246,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 187,462,000 | 196,543,000 | 209,594,000 | 198,465,000 |
| Interest-bearing deposits | 118,326,000 | 121,220,000 | 124,087,000 | 124,011,000 |
| Noninterest-bearing deposits | 69,136,000 | 75,323,000 | 85,507,000 | 74,454,000 |
| Equity capital | 26,460,000 | 26,901,000 | 27,680,000 | 28,673,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 2,077,000 | 4,305,000 | 6,637,000 | 9,044,000 |
| Interest expense | 172,000 | 363,000 | 546,000 | 724,000 |
| Net interest income | 1,905,000 | 3,942,000 | 6,091,000 | 8,320,000 |
| Noninterest income | 117,000 | 193,000 | 362,000 | 886,000 |
| Noninterest expense | 1,647,000 | 3,123,000 | 4,648,000 | 6,218,000 |
| Provision for loan losses | 48,000 | 183,000 | 233,000 | 373,000 |
| Pretax income | 327,000 | 829,000 | 1,535,000 | 2,578,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 327,000 | 829,000 | 1,535,000 | 2,578,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 23,810,000 | 24,316,000 | 25,081,000 | 26,141,000 |
| Total capital | 25,553,000 | 26,195,000 | 27,006,000 | 28,207,000 |
| Risk-weighted assets | 148,777,000 | 160,903,000 | 168,272,000 | 172,285,000 |