Call reports 2006
ROCKY MOUNTAIN BANK AND TRUST — 2006
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2006, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Total assets | 101,623,000 | 111,017,000 | 119,350,000 | 129,119,000 |
| Total loans | 33,937,000 | 36,673,000 | 34,748,000 | 40,138,000 |
| Allowance for loan losses | 820,000 | 859,000 | 828,000 | 828,000 |
| Securities available for sale | 53,893,000 | 60,605,000 | 68,757,000 | 72,610,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 77,298,000 | 83,408,000 | 87,265,000 | 92,427,000 |
| Interest-bearing deposits | 39,466,000 | 37,652,000 | 34,936,000 | 33,442,000 |
| Noninterest-bearing deposits | 37,832,000 | 45,756,000 | 52,329,000 | 58,985,000 |
| Equity capital | 7,180,000 | 6,660,000 | 8,856,000 | 8,910,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Interest income | 1,394,000 | 2,846,000 | 4,518,000 | 6,353,000 |
| Interest expense | 486,000 | 970,000 | 1,561,000 | 2,135,000 |
| Net interest income | 908,000 | 1,876,000 | 2,957,000 | 4,218,000 |
| Noninterest income | 366,000 | 909,000 | 1,318,000 | 1,523,000 |
| Noninterest expense | 1,451,000 | 2,476,000 | 3,364,000 | 4,301,000 |
| Provision for loan losses | 121,000 | 121,000 | 121,000 | 121,000 |
| Pretax income | -337,000 | 105,000 | 728,000 | 1,269,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -337,000 | 105,000 | 728,000 | 1,269,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2006Q1 | 2006Q2 | 2006Q3 | 2006Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,868,000 | 8,017,000 | 8,392,000 | 8,683,000 |
| Total capital | 8,580,000 | 8,782,000 | 9,143,000 | 9,511,000 |
| Risk-weighted assets | 58,638,000 | 63,157,000 | 60,009,000 | 68,942,000 |