Call reports 2019
ROCKY MOUNTAIN BANK — 2019
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 300,801,000 | 297,967,000 | 323,703,000 | 315,123,000 |
| Total loans | 218,196,000 | 228,055,000 | 230,231,000 | 239,327,000 |
| Allowance for loan losses | 3,283,000 | 3,493,000 | 2,614,000 | 2,832,000 |
| Securities available for sale | 15,210,000 | 14,771,000 | 14,001,000 | 14,851,000 |
| Securities held to maturity | 0 | 0 | 0 | 2,596,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 262,421,000 | 259,089,000 | 283,936,000 | 274,456,000 |
| Interest-bearing deposits | 231,633,000 | 227,495,000 | 252,644,000 | 240,539,000 |
| Noninterest-bearing deposits | 30,788,000 | 31,594,000 | 31,292,000 | 33,917,000 |
| Equity capital | 37,181,000 | 37,888,000 | 38,808,000 | 39,512,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 3,629,000 | 7,223,000 | 10,906,000 | 14,554,000 |
| Interest expense | 489,000 | 1,056,000 | 1,621,000 | 2,174,000 |
| Net interest income | 3,140,000 | 6,167,000 | 9,285,000 | 12,380,000 |
| Noninterest income | 176,000 | 404,000 | 781,000 | 1,310,000 |
| Noninterest expense | 1,718,000 | 3,409,000 | 5,264,000 | 7,241,000 |
| Provision for loan losses | 600,000 | 1,165,000 | 1,660,000 | 2,410,000 |
| Pretax income | 998,000 | 1,997,000 | 3,142,000 | 4,039,000 |
| Income tax | 209,000 | 420,000 | 657,000 | 844,000 |
| Net income | 789,000 | 1,577,000 | 2,485,000 | 3,195,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,913,000 | 35,502,000 | 36,461,000 | 37,235,000 |
| Total capital | 37,644,000 | 38,317,000 | 39,075,000 | 40,067,000 |
| Risk-weighted assets | 217,907,000 | 224,544,000 | 228,773,000 | 240,935,000 |