Call reports 2005
ROCKY MOUNTAIN BANK AND TRUST — 2005
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 92,526,000 | 96,369,000 | 99,519,000 | 97,737,000 |
| Total loans | 38,552,000 | 37,448,000 | 37,956,000 | 35,908,000 |
| Allowance for loan losses | 738,000 | 805,000 | 837,000 | 822,000 |
| Securities available for sale | 41,608,000 | 46,683,000 | 48,990,000 | 51,219,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 68,893,000 | 69,174,000 | 77,310,000 | 76,205,000 |
| Interest-bearing deposits | 44,182,000 | 42,107,000 | 45,854,000 | 43,638,000 |
| Noninterest-bearing deposits | 24,711,000 | 27,067,000 | 31,456,000 | 32,567,000 |
| Equity capital | 7,193,000 | 7,832,000 | 7,394,000 | 7,279,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,142,000 | 2,380,000 | 3,624,000 | 4,868,000 |
| Interest expense | 410,000 | 773,000 | 1,203,000 | 1,613,000 |
| Net interest income | 732,000 | 1,607,000 | 2,421,000 | 3,255,000 |
| Noninterest income | 270,000 | 608,000 | 973,000 | 1,236,000 |
| Noninterest expense | 849,000 | 1,699,000 | 2,556,000 | 3,307,000 |
| Provision for loan losses | 50,000 | 125,000 | 150,000 | 150,000 |
| Pretax income | 162,000 | 612,000 | 909,000 | 1,234,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 162,000 | 612,000 | 909,000 | 1,234,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,258,000 | 7,459,000 | 7,570,000 | 7,587,000 |
| Total capital | 7,952,000 | 8,176,000 | 8,273,000 | 8,266,000 |
| Risk-weighted assets | 53,445,000 | 55,111,000 | 56,000,000 | 54,175,000 |
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