Call reports 2004
ROCKY MOUNTAIN BANK AND TRUST — 2004
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2004, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Total assets | 94,475,000 | 92,753,000 | 87,710,000 | 89,633,000 |
| Total loans | 48,438,000 | 45,888,000 | 43,933,000 | 39,435,000 |
| Allowance for loan losses | 568,000 | 664,000 | 793,000 | 843,000 |
| Securities available for sale | 35,541,000 | 36,110,000 | 33,204,000 | 40,331,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 69,798,000 | 68,188,000 | 65,673,000 | 69,452,000 |
| Interest-bearing deposits | 59,194,000 | 55,755,000 | 52,260,000 | 50,289,000 |
| Noninterest-bearing deposits | 10,604,000 | 12,433,000 | 13,413,000 | 19,163,000 |
| Equity capital | 7,138,000 | 6,935,000 | 7,535,000 | 7,315,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Interest income | 1,235,000 | 2,427,000 | 3,636,000 | 4,737,000 |
| Interest expense | 407,000 | 839,000 | 1,209,000 | 1,573,000 |
| Net interest income | 828,000 | 1,588,000 | 2,427,000 | 3,164,000 |
| Noninterest income | 320,000 | 739,000 | 1,010,000 | 1,269,000 |
| Noninterest expense | 695,000 | 1,429,000 | 2,193,000 | 2,923,000 |
| Provision for loan losses | 75,000 | 275,000 | 385,000 | 510,000 |
| Pretax income | 392,000 | 637,000 | 1,026,000 | 1,233,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 392,000 | 637,000 | 1,026,000 | 1,233,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2004Q1 | 2004Q2 | 2004Q3 | 2004Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,519,000 | 6,764,000 | 6,953,000 | 6,960,000 |
| Total capital | 7,087,000 | 7,428,000 | 7,611,000 | 7,635,000 |
| Risk-weighted assets | 57,147,000 | 55,780,000 | 52,545,000 | 51,863,000 |