Call reports 2013
ROCKY MOUNTAIN BANK AND TRUST — 2013
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 95,281,000 | 86,793,000 | 86,465,000 | 81,346,000 |
| Total loans | 25,611,000 | 26,659,000 | 25,977,000 | 26,184,000 |
| Allowance for loan losses | 1,491,000 | 1,162,000 | 1,167,000 | 854,000 |
| Securities available for sale | 53,955,000 | 46,489,000 | 43,232,000 | 43,265,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 86,031,000 | 80,462,000 | 80,659,000 | 76,753,000 |
| Interest-bearing deposits | 75,322,000 | 69,783,000 | 68,648,000 | 65,692,000 |
| Noninterest-bearing deposits | 10,709,000 | 10,679,000 | 12,011,000 | 11,061,000 |
| Equity capital | 8,924,000 | 5,994,000 | 5,350,000 | 4,225,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 1,102,000 | 2,102,000 | 3,141,000 | 3,952,000 |
| Interest expense | 154,000 | 301,000 | 424,000 | 537,000 |
| Net interest income | 948,000 | 1,801,000 | 2,717,000 | 3,415,000 |
| Noninterest income | 175,000 | 277,000 | 341,000 | 424,000 |
| Noninterest expense | 1,056,000 | 2,004,000 | 2,860,000 | 3,669,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | -88,000 | -2,485,000 | -2,498,000 | -2,742,000 |
| Income tax | 0 | 0 | 55,000 | 240,000 |
| Net income | -88,000 | -2,485,000 | -2,553,000 | -2,982,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,553,000 | 6,978,000 | 6,912,000 | 6,664,000 |
| Total capital | 10,644,000 | 7,936,000 | 7,811,000 | 7,519,000 |
| Risk-weighted assets | 86,886,000 | 74,022,000 | 70,395,000 | 66,884,000 |