Call reports 2002
ROCKY MOUNTAIN BANK AND TRUST — 2002
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2002, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Total assets | 50,971,000 | 52,686,000 | 60,533,000 | 69,811,000 |
| Total loans | 37,112,000 | 39,526,000 | 44,555,000 | 47,963,000 |
| Allowance for loan losses | 500,000 | 580,000 | 668,000 | 684,000 |
| Securities available for sale | 7,054,000 | 6,122,000 | 8,520,000 | 13,442,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 37,159,000 | 38,316,000 | 43,605,000 | 47,815,000 |
| Interest-bearing deposits | 29,664,000 | 31,304,000 | 36,142,000 | 40,998,000 |
| Noninterest-bearing deposits | 7,495,000 | 7,012,000 | 7,463,000 | 6,817,000 |
| Equity capital | 4,062,000 | 4,257,000 | 5,800,000 | 5,764,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Interest income | 1,021,000 | 2,117,000 | 3,303,000 | 4,536,000 |
| Interest expense | 288,000 | 602,000 | 919,000 | 1,272,000 |
| Net interest income | 733,000 | 1,515,000 | 2,384,000 | 3,264,000 |
| Noninterest income | 328,000 | 678,000 | 991,000 | 1,259,000 |
| Noninterest expense | 668,000 | 1,327,000 | 2,064,000 | 2,858,000 |
| Provision for loan losses | 60,000 | 160,000 | 300,000 | 400,000 |
| Pretax income | 333,000 | 712,000 | 1,018,000 | 1,279,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 333,000 | 712,000 | 1,018,000 | 1,279,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2002Q1 | 2002Q2 | 2002Q3 | 2002Q4 |
|---|---|---|---|---|
| Tier 1 capital | 3,905,000 | 4,084,000 | 5,521,000 | 5,532,000 |
| Total capital | 4,405,000 | 4,643,000 | 6,141,000 | 6,216,000 |
| Risk-weighted assets | 43,661,000 | 44,681,000 | 49,588,000 | 54,693,000 |