Call reports 2016
ROCKY MOUNTAIN BANK AND TRUST — 2016
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 64,727,000 | 66,311,000 | 64,002,000 | 63,169,000 |
| Total loans | 39,047,000 | 39,301,000 | 39,003,000 | 38,995,000 |
| Allowance for loan losses | 489,000 | 471,000 | 489,000 | 507,000 |
| Securities available for sale | 16,197,000 | 15,682,000 | 14,957,000 | 14,085,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 59,201,000 | 60,516,000 | 58,206,000 | 57,604,000 |
| Interest-bearing deposits | 44,838,000 | 45,204,000 | 42,228,000 | 40,351,000 |
| Noninterest-bearing deposits | 14,363,000 | 15,312,000 | 15,978,000 | 17,253,000 |
| Equity capital | 5,234,000 | 5,543,000 | 5,511,000 | 5,229,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 661,000 | 1,364,000 | 2,017,000 | 2,598,000 |
| Interest expense | 69,000 | 136,000 | 196,000 | 254,000 |
| Net interest income | 592,000 | 1,228,000 | 1,821,000 | 2,344,000 |
| Noninterest income | 129,000 | 258,000 | 415,000 | 524,000 |
| Noninterest expense | 735,000 | 1,460,000 | 2,213,000 | 2,908,000 |
| Provision for loan losses | 14,000 | 14,000 | 29,000 | 44,000 |
| Pretax income | -28,000 | 12,000 | -6,000 | -84,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | -28,000 | 12,000 | -6,000 | -84,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 5,364,000 | 5,393,000 | 5,371,000 | 5,284,000 |
| Total capital | 5,862,000 | 5,887,000 | 5,884,000 | 5,814,000 |
| Risk-weighted assets | 48,920,000 | 49,544,000 | 48,698,000 | 43,528,000 |