Call reports 2016
ROCKY MOUNTAIN BANK — 2016
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 252,733,000 | 260,405,000 | 287,081,000 | 279,504,000 |
| Total loans | 189,830,000 | 187,546,000 | 184,322,000 | 198,352,000 |
| Allowance for loan losses | 2,173,000 | 2,195,000 | 2,245,000 | 2,320,000 |
| Securities available for sale | 8,073,000 | 9,666,000 | 9,365,000 | 9,209,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 203,191,000 | 210,130,000 | 236,199,000 | 224,697,000 |
| Interest-bearing deposits | 124,310,000 | 177,297,000 | 185,908,000 | 191,335,000 |
| Noninterest-bearing deposits | 78,881,000 | 32,833,000 | 50,291,000 | 33,362,000 |
| Equity capital | 28,304,000 | 29,085,000 | 29,761,000 | 33,964,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 2,516,000 | 4,977,000 | 7,370,000 | 9,755,000 |
| Interest expense | 172,000 | 376,000 | 598,000 | 833,000 |
| Net interest income | 2,344,000 | 4,601,000 | 6,772,000 | 8,922,000 |
| Noninterest income | 206,000 | 350,000 | 559,000 | 720,000 |
| Noninterest expense | 1,648,000 | 3,211,000 | 4,838,000 | 6,517,000 |
| Provision for loan losses | 105,000 | 170,000 | 220,000 | 295,000 |
| Pretax income | 797,000 | 1,570,000 | 2,273,000 | 2,830,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 797,000 | 1,570,000 | 2,273,000 | 2,830,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 25,610,000 | 26,410,000 | 27,141,000 | 31,479,000 |
| Total capital | 27,783,000 | 28,605,000 | 29,314,000 | 33,799,000 |
| Risk-weighted assets | 178,328,000 | 176,827,000 | 173,735,000 | 190,566,000 |