Call reports 2003
ROCKY MOUNTAIN BANK AND TRUST — 2003
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2003, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Total assets | 76,789,000 | 77,950,000 | 80,028,000 | 87,342,000 |
| Total loans | 45,800,000 | 47,193,000 | 47,338,000 | 48,170,000 |
| Allowance for loan losses | 740,000 | 707,000 | 719,000 | 727,000 |
| Securities available for sale | 19,764,000 | 21,681,000 | 22,157,000 | 28,529,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 57,662,000 | 54,405,000 | 50,804,000 | 59,609,000 |
| Interest-bearing deposits | 50,074,000 | 45,940,000 | 42,477,000 | 50,012,000 |
| Noninterest-bearing deposits | 7,588,000 | 8,465,000 | 8,327,000 | 9,597,000 |
| Equity capital | 5,791,000 | 6,005,000 | 5,831,000 | 6,605,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Interest income | 1,208,000 | 2,412,000 | 3,602,000 | 4,713,000 |
| Interest expense | 393,000 | 804,000 | 1,154,000 | 1,503,000 |
| Net interest income | 815,000 | 1,608,000 | 2,448,000 | 3,210,000 |
| Noninterest income | 331,000 | 710,000 | 1,007,000 | 1,248,000 |
| Noninterest expense | 770,000 | 1,569,000 | 2,310,000 | 3,105,000 |
| Provision for loan losses | 50,000 | 150,000 | 200,000 | 275,000 |
| Pretax income | 326,000 | 573,000 | 929,000 | 1,045,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 326,000 | 573,000 | 929,000 | 1,045,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2003Q1 | 2003Q2 | 2003Q3 | 2003Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,608,000 | 5,605,000 | 5,711,000 | 6,327,000 |
| Total capital | 6,274,000 | 6,282,000 | 6,383,000 | 7,054,000 |
| Risk-weighted assets | 53,233,000 | 54,152,000 | 53,710,000 | 59,888,000 |