Institution Statistics
| Rocky Mountain Bank | | FDIC Certificate # | 20310 | | BankRate Report | View | | Year Established | 1970 | | Employees | 124 | | Primary Regulator | FDIC |
Assets and Liabilities | | Assets | $432.90 million | | Loans | $265.74 million | | Deposits | $362.31 million | | Equity Capital | $52.94 million | | Loan Loss Allowance | $4.20 million | | Unbacked Noncurrent Loans | $7.79 million | | Real Estate Owned | $5.54 million |
Historic Data - March 2011 | | Assets | $417.85 million | | Equity Capital | $48.69 million | | Loan Loss Allowance | $4.43 million | | Unbacked Noncurrent Loans | $18.30 million | | Real Estate Owned | $9.26 million |
Profit Margin - Quarterly | | Net Interest Margin | 4.17% | | Return on Assets | 0.88% | | Return on Equity | 7.38% | | Interest Income | $4.89 million |
|
|
Institution Health
Overall Score:
4 out of 5 
| Texas Ratio |  | | The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 Rocky Mountain Bank had $13.33 million in non-current loans and owned real-estate with $57.15 million in equity and loan loss allowances on hand to cover it. This gives Rocky Mountain Bank a Texas Ratio of 23.32% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. | | Texas Ratio Trend |  | | The Texas Ratio for Rocky Mountain Bank decreased significantly from 51.89% as of March 31, 2011 to 23.32% as of March 31, 2012, resulting in a positive change of 55.05%.This indicates that the balance sheet and financial strength for Rocky Mountain Bank has improved significantly in recent periods. | | Deposit Growth |  | | In the past year, Rocky Mountain Bank has increased its total deposits by $13.58 million, resulting in 3.9% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Rocky Mountain Bank has shown is above average. | | Capitalization | | | Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Rocky Mountain Bank has $432.9 million in assets with $57.15 million in equity, resulting in a capitalization level of 13.20%, which is excellent. |
|
