Call reports 2015
ROCKY MOUNTAIN BANK AND TRUST — 2015
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 66,988,000 | 66,344,000 | 62,611,000 | 65,208,000 |
| Total loans | 37,556,000 | 37,220,000 | 38,246,000 | 39,643,000 |
| Allowance for loan losses | 560,000 | 528,000 | 527,000 | 539,000 |
| Securities available for sale | 18,999,000 | 14,772,000 | 14,085,000 | 16,982,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 61,244,000 | 60,903,000 | 57,118,000 | 59,668,000 |
| Interest-bearing deposits | 48,428,000 | 47,779,000 | 44,139,000 | 45,689,000 |
| Noninterest-bearing deposits | 12,816,000 | 13,124,000 | 12,979,000 | 13,979,000 |
| Equity capital | 5,429,000 | 5,157,000 | 5,189,000 | 5,232,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 760,000 | 1,382,000 | 2,000,000 | 2,579,000 |
| Interest expense | 82,000 | 165,000 | 235,000 | 304,000 |
| Net interest income | 678,000 | 1,217,000 | 1,765,000 | 2,275,000 |
| Noninterest income | 81,000 | 219,000 | 430,000 | 942,000 |
| Noninterest expense | 718,000 | 1,520,000 | 2,276,000 | 3,007,000 |
| Provision for loan losses | 3,000 | -20,000 | -23,000 | 12,000 |
| Pretax income | 38,000 | -551,000 | -545,000 | -436,000 |
| Income tax | 0 | 0 | -26,000 | -26,000 |
| Net income | 38,000 | -551,000 | -519,000 | -410,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,844,000 | 5,231,000 | 5,291,000 | 5,428,000 |
| Total capital | 6,404,000 | 5,785,000 | 5,851,000 | 5,974,000 |
| Risk-weighted assets | 54,403,000 | 49,562,000 | 49,247,000 | 50,253,000 |