Call reports 2007
ROCKY MOUNTAIN BANK AND TRUST — 2007
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2007, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Total assets | 130,634,000 | 152,651,000 | 177,460,000 | 195,175,000 |
| Total loans | 44,087,000 | 48,848,000 | 56,295,000 | 62,367,000 |
| Allowance for loan losses | 868,000 | 886,000 | 905,000 | 965,000 |
| Securities available for sale | 71,293,000 | 87,981,000 | 106,581,000 | 118,719,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 97,772,000 | 118,273,000 | 130,559,000 | 154,152,000 |
| Interest-bearing deposits | 31,521,000 | 45,275,000 | 51,811,000 | 64,388,000 |
| Noninterest-bearing deposits | 66,251,000 | 72,998,000 | 78,748,000 | 89,764,000 |
| Equity capital | 10,097,000 | 9,658,000 | 12,335,000 | 12,763,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Interest income | 1,920,000 | 3,973,000 | 6,485,000 | 9,288,000 |
| Interest expense | 628,000 | 1,337,000 | 2,295,000 | 3,336,000 |
| Net interest income | 1,292,000 | 2,636,000 | 4,190,000 | 5,952,000 |
| Noninterest income | 507,000 | 921,000 | 1,328,000 | 1,788,000 |
| Noninterest expense | 1,077,000 | 2,157,000 | 3,336,000 | 4,640,000 |
| Provision for loan losses | 40,000 | 60,000 | 90,000 | 150,000 |
| Pretax income | 796,000 | 1,445,000 | 2,175,000 | 3,216,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 796,000 | 1,445,000 | 2,175,000 | 3,216,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2007Q1 | 2007Q2 | 2007Q3 | 2007Q4 |
|---|---|---|---|---|
| Tier 1 capital | 10,079,000 | 10,129,000 | 11,361,000 | 11,920,000 |
| Total capital | 10,947,000 | 11,015,000 | 12,266,000 | 12,885,000 |
| Risk-weighted assets | 74,862,000 | 83,307,000 | 100,617,000 | 101,182,000 |