Call reports 2008
ROCKY MOUNTAIN BANK AND TRUST — 2008
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 218,694,000 | 212,221,000 | 221,567,000 | 233,275,000 |
| Total loans | 69,436,000 | 70,835,000 | 74,881,000 | 73,901,000 |
| Allowance for loan losses | 1,059,000 | 1,156,000 | 1,412,000 | 2,255,000 |
| Securities available for sale | 134,561,000 | 124,850,000 | 125,780,000 | 144,911,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 167,048,000 | 181,267,000 | 192,463,000 | 196,251,000 |
| Interest-bearing deposits | 65,941,000 | 68,994,000 | 71,069,000 | 68,711,000 |
| Noninterest-bearing deposits | 101,107,000 | 112,273,000 | 121,394,000 | 127,540,000 |
| Equity capital | 16,156,000 | 9,405,000 | 8,270,000 | 11,874,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 3,403,000 | 6,933,000 | 10,323,000 | 13,786,000 |
| Interest expense | 1,108,000 | 2,110,000 | 3,020,000 | 3,897,000 |
| Net interest income | 2,295,000 | 4,823,000 | 7,303,000 | 9,889,000 |
| Noninterest income | 409,000 | 828,000 | 1,182,000 | 1,560,000 |
| Noninterest expense | 1,321,000 | 2,729,000 | 4,245,000 | 5,898,000 |
| Provision for loan losses | 115,000 | 415,000 | 865,000 | 1,915,000 |
| Pretax income | 1,947,000 | 3,267,000 | 4,135,000 | 4,104,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 1,947,000 | 3,267,000 | 4,135,000 | 4,104,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 13,092,000 | 13,162,000 | 16,229,000 | 16,074,000 |
| Total capital | 14,151,000 | 14,318,000 | 17,641,000 | 18,298,000 |
| Risk-weighted assets | 114,166,000 | 116,687,000 | 140,087,000 | 177,878,000 |
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