Call reports 2012
ROCKY MOUNTAIN BANK AND TRUST — 2012
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 102,445,000 | 100,019,000 | 95,718,000 | 95,066,000 |
| Total loans | 32,847,000 | 30,488,000 | 30,578,000 | 28,643,000 |
| Allowance for loan losses | 1,406,000 | 1,479,000 | 1,512,000 | 1,470,000 |
| Securities available for sale | 51,149,000 | 50,476,000 | 51,192,000 | 50,268,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 98,957,000 | 95,594,000 | 89,001,000 | 86,708,000 |
| Interest-bearing deposits | 88,827,000 | 84,153,000 | 77,908,000 | 76,342,000 |
| Noninterest-bearing deposits | 10,130,000 | 11,441,000 | 11,093,000 | 10,366,000 |
| Equity capital | 3,118,000 | 4,041,000 | 6,317,000 | 7,980,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 1,309,000 | 2,526,000 | 3,710,000 | 4,819,000 |
| Interest expense | 255,000 | 482,000 | 665,000 | 825,000 |
| Net interest income | 1,054,000 | 2,044,000 | 3,045,000 | 3,994,000 |
| Noninterest income | 134,000 | 400,000 | 713,000 | 1,898,000 |
| Noninterest expense | 877,000 | 1,614,000 | 2,437,000 | 3,786,000 |
| Provision for loan losses | 10,000 | 20,000 | 50,000 | 170,000 |
| Pretax income | 508,000 | 826,000 | 1,162,000 | 1,653,000 |
| Income tax | 0 | 0 | 30,000 | -113,000 |
| Net income | 508,000 | 826,000 | 1,132,000 | 1,766,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,384,000 | 8,701,000 | 9,005,000 | 9,639,000 |
| Total capital | 9,797,000 | 10,070,000 | 10,314,000 | 10,820,000 |
| Risk-weighted assets | 115,717,000 | 109,373,000 | 104,547,000 | 94,190,000 |