Call reports 2019
ROCKY MOUNTAIN BANK AND TRUST — 2019
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2019, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Total assets | 69,557,000 | 70,131,000 | 73,519,000 | 73,895,000 |
| Total loans | 42,275,000 | 42,216,000 | 42,191,000 | 42,502,000 |
| Allowance for loan losses | 622,000 | 627,000 | 548,000 | 545,000 |
| Securities available for sale | 14,518,000 | 15,423,000 | 15,411,000 | 17,125,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 62,561,000 | 62,794,000 | 65,085,000 | 65,585,000 |
| Interest-bearing deposits | 42,822,000 | 40,378,000 | 40,304,000 | 42,475,000 |
| Noninterest-bearing deposits | 19,739,000 | 22,416,000 | 24,781,000 | 23,110,000 |
| Equity capital | 6,591,000 | 7,090,000 | 7,859,000 | 7,868,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Interest income | 825,000 | 1,629,000 | 2,458,000 | 3,301,000 |
| Interest expense | 69,000 | 143,000 | 217,000 | 291,000 |
| Net interest income | 756,000 | 1,486,000 | 2,241,000 | 3,010,000 |
| Noninterest income | 103,000 | 220,000 | 738,000 | 836,000 |
| Noninterest expense | 664,000 | 1,320,000 | 2,061,000 | 2,820,000 |
| Provision for loan losses | 0 | 0 | -75,000 | -75,000 |
| Pretax income | 195,000 | 386,000 | 993,000 | 1,101,000 |
| Income tax | 0 | 0 | 0 | -159,000 |
| Net income | 195,000 | 386,000 | 993,000 | 1,260,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2019Q1 | 2019Q2 | 2019Q3 | 2019Q4 |
|---|---|---|---|---|
| Tier 1 capital | 6,151,000 | 6,361,000 | 7,029,000 | 7,277,000 |
| Total capital | 6,727,000 | 6,940,000 | 7,589,000 | 7,843,000 |
| Risk-weighted assets | 45,741,000 | 45,932,000 | 44,550,000 | 44,999,000 |