Call reports 2014
ROCKY MOUNTAIN BANK AND TRUST — 2014
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 76,161,000 | 73,456,000 | 70,392,000 | 71,749,000 |
| Total loans | 27,060,000 | 27,017,000 | 30,025,000 | 35,813,000 |
| Allowance for loan losses | 855,000 | 511,000 | 514,000 | 553,000 |
| Securities available for sale | 32,404,000 | 27,493,000 | 25,122,000 | 20,428,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,627,000 | 67,881,000 | 64,935,000 | 66,068,000 |
| Interest-bearing deposits | 58,654,000 | 55,161,000 | 51,843,000 | 52,707,000 |
| Noninterest-bearing deposits | 11,973,000 | 12,720,000 | 13,092,000 | 13,361,000 |
| Equity capital | 5,167,000 | 5,313,000 | 5,209,000 | 5,339,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 762,000 | 1,473,000 | 2,169,000 | 2,757,000 |
| Interest expense | 104,000 | 205,000 | 299,000 | 391,000 |
| Net interest income | 658,000 | 1,268,000 | 1,870,000 | 2,366,000 |
| Noninterest income | 232,000 | 388,000 | 713,000 | 900,000 |
| Noninterest expense | 752,000 | 1,488,000 | 2,202,000 | 3,003,000 |
| Provision for loan losses | 0 | 37,000 | 39,000 | 161,000 |
| Pretax income | -441,000 | -476,000 | -473,000 | -681,000 |
| Income tax | 1,000 | 1,000 | 1,000 | 1,000 |
| Net income | -442,000 | -477,000 | -474,000 | -682,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,215,000 | 6,181,000 | 6,183,000 | 5,977,000 |
| Total capital | 6,953,000 | 6,693,000 | 6,697,000 | 6,530,000 |
| Risk-weighted assets | 57,016,000 | 49,306,000 | 49,216,000 | 51,541,000 |