Call reports 2017
ROCKY MOUNTAIN BANK — 2017
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 284,751,000 | 290,715,000 | 319,031,000 | 292,476,000 |
| Total loans | 213,481,000 | 213,619,000 | 207,234,000 | 219,084,000 |
| Allowance for loan losses | 2,656,000 | 2,982,000 | 3,110,000 | 2,914,000 |
| Securities available for sale | 9,554,000 | 9,362,000 | 9,889,000 | 9,615,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 229,366,000 | 234,790,000 | 262,444,000 | 257,695,000 |
| Interest-bearing deposits | 198,442,000 | 198,355,000 | 215,124,000 | 221,309,000 |
| Noninterest-bearing deposits | 30,924,000 | 36,435,000 | 47,320,000 | 36,386,000 |
| Equity capital | 34,227,000 | 34,878,000 | 35,430,000 | 33,709,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 2,838,000 | 5,872,000 | 8,937,000 | 12,097,000 |
| Interest expense | 240,000 | 491,000 | 751,000 | 988,000 |
| Net interest income | 2,598,000 | 5,381,000 | 8,186,000 | 11,109,000 |
| Noninterest income | 222,000 | 492,000 | 741,000 | 948,000 |
| Noninterest expense | 1,769,000 | 3,535,000 | 5,360,000 | 7,444,000 |
| Provision for loan losses | 360,000 | 720,000 | 1,080,000 | 1,210,000 |
| Pretax income | 691,000 | 1,618,000 | 2,487,000 | 3,403,000 |
| Income tax | -969,000 | -654,000 | -358,000 | 546,000 |
| Net income | 1,660,000 | 2,272,000 | 2,845,000 | 2,857,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,020,000 | 32,690,000 | 33,318,000 | 31,339,000 |
| Total capital | 34,585,000 | 35,338,000 | 35,934,000 | 34,071,000 |
| Risk-weighted assets | 205,078,000 | 211,476,000 | 208,793,000 | 218,376,000 |