Call reports 2018
ROCKY MOUNTAIN BANK — 2018
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2018, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Total assets | 282,721,000 | 294,358,000 | 318,617,000 | 317,935,000 |
| Total loans | 225,434,000 | 216,540,000 | 215,543,000 | 213,361,000 |
| Allowance for loan losses | 3,033,000 | 2,996,000 | 3,033,000 | 3,193,000 |
| Securities available for sale | 9,309,000 | 8,565,000 | 13,170,000 | 15,754,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 247,264,000 | 258,366,000 | 281,819,000 | 280,014,000 |
| Interest-bearing deposits | 214,585,000 | 215,757,000 | 228,812,000 | 247,565,000 |
| Noninterest-bearing deposits | 32,679,000 | 42,609,000 | 53,007,000 | 32,449,000 |
| Equity capital | 34,370,000 | 35,060,000 | 35,801,000 | 36,844,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Interest income | 3,248,000 | 6,531,000 | 9,953,000 | 13,586,000 |
| Interest expense | 213,000 | 463,000 | 791,000 | 1,159,000 |
| Net interest income | 3,035,000 | 6,068,000 | 9,162,000 | 12,427,000 |
| Noninterest income | 218,000 | 429,000 | 678,000 | 892,000 |
| Noninterest expense | 1,862,000 | 3,741,000 | 5,578,000 | 7,361,000 |
| Provision for loan losses | 525,000 | 975,000 | 1,500,000 | 2,025,000 |
| Pretax income | 866,000 | 1,781,000 | 2,762,000 | 3,933,000 |
| Income tax | 182,000 | 374,000 | 576,000 | 822,000 |
| Net income | 684,000 | 1,407,000 | 2,186,000 | 3,111,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2018Q1 | 2018Q2 | 2018Q3 | 2018Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,993,000 | 32,766,000 | 33,598,000 | 34,574,000 |
| Total capital | 34,719,000 | 35,424,000 | 36,279,000 | 37,252,000 |
| Risk-weighted assets | 217,811,000 | 212,265,000 | 214,164,000 | 213,752,000 |