Call reports 2020
ROCKY MOUNTAIN BANK — 2020
What ROCKY MOUNTAIN BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 319,633,000 | 384,561,000 | 410,764,000 | 407,552,000 |
| Total loans | 247,476,000 | 276,252,000 | 262,883,000 | 265,514,000 |
| Allowance for loan losses | 3,335,000 | 4,157,000 | 5,391,000 | 5,699,000 |
| Securities available for sale | 13,747,000 | 13,077,000 | 15,546,000 | 13,269,000 |
| Securities held to maturity | 2,588,000 | 2,579,000 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 278,517,000 | 342,510,000 | 369,047,000 | 363,582,000 |
| Interest-bearing deposits | 246,250,000 | 300,408,000 | 323,101,000 | 323,679,000 |
| Noninterest-bearing deposits | 32,267,000 | 42,102,000 | 45,945,000 | 39,903,000 |
| Equity capital | 39,984,000 | 40,414,000 | 40,097,000 | 40,761,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 3,568,000 | 7,001,000 | 10,243,000 | 13,746,000 |
| Interest expense | 522,000 | 1,021,000 | 1,433,000 | 1,690,000 |
| Net interest income | 3,046,000 | 5,980,000 | 8,810,000 | 12,056,000 |
| Noninterest income | 412,000 | 837,000 | 1,234,000 | 1,750,000 |
| Noninterest expense | 2,061,000 | 3,582,000 | 5,612,000 | 7,803,000 |
| Provision for loan losses | 1,000,000 | 2,400,000 | 3,900,000 | 4,600,000 |
| Pretax income | 397,000 | 835,000 | 452,000 | 1,323,000 |
| Income tax | 87,000 | 182,000 | 104,000 | 290,000 |
| Net income | 310,000 | 653,000 | 348,000 | 1,033,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 37,593,000 | 37,953,000 | 37,665,000 | 38,367,000 |
| Total capital | 40,718,000 | 41,133,000 | 40,746,000 | 41,547,000 |
| Risk-weighted assets | 249,797,000 | 253,416,000 | 244,132,000 | 251,858,000 |