Call reports 2009
ROCKY MOUNTAIN BANK AND TRUST — 2009
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 223,479,000 | 200,663,000 | 202,451,000 | 173,149,000 |
| Total loans | 76,621,000 | 70,534,000 | 65,649,000 | 60,374,000 |
| Allowance for loan losses | 2,905,000 | 2,476,000 | 2,129,000 | 2,970,000 |
| Securities available for sale | 128,804,000 | 113,714,000 | 108,445,000 | 92,463,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 196,877,000 | 163,628,000 | 167,688,000 | 151,246,000 |
| Interest-bearing deposits | 69,256,000 | 78,119,000 | 93,995,000 | 93,182,000 |
| Noninterest-bearing deposits | 127,621,000 | 85,509,000 | 73,693,000 | 58,064,000 |
| Equity capital | 6,220,000 | 11,949,000 | 14,182,000 | 7,333,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,536,000 | 6,801,000 | 9,926,000 | 12,662,000 |
| Interest expense | 814,000 | 1,663,000 | 2,567,000 | 3,428,000 |
| Net interest income | 2,722,000 | 5,138,000 | 7,359,000 | 9,234,000 |
| Noninterest income | 473,000 | 892,000 | 1,167,000 | 1,513,000 |
| Noninterest expense | 1,446,000 | 3,085,000 | 4,698,000 | 6,510,000 |
| Provision for loan losses | 800,000 | 1,175,000 | 1,625,000 | 3,206,000 |
| Pretax income | 1,018,000 | 1,106,000 | 605,000 | -9,201,000 |
| Income tax | 0 | 261,000 | -778,000 | 0 |
| Net income | 1,018,000 | 845,000 | 1,383,000 | -9,201,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,081,000 | 16,904,000 | 17,442,000 | 8,958,000 |
| Total capital | 19,415,000 | 19,070,000 | 19,571,000 | 10,904,000 |
| Risk-weighted assets | 186,180,000 | 172,934,000 | 187,781,000 | 154,659,000 |