Call reports 2020
ROCKY MOUNTAIN BANK AND TRUST — 2020
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 71,790,000 | 84,606,000 | 87,293,000 | 85,685,000 |
| Total loans | 41,595,000 | 46,646,000 | 46,424,000 | 47,967,000 |
| Allowance for loan losses | 541,000 | 632,000 | 650,000 | 653,000 |
| Securities available for sale | 16,331,000 | 16,385,000 | 17,503,000 | 16,227,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 63,050,000 | 72,657,000 | 75,065,000 | 76,209,000 |
| Interest-bearing deposits | 41,275,000 | 43,586,000 | 46,199,000 | 50,004,000 |
| Noninterest-bearing deposits | 21,775,000 | 29,071,000 | 28,866,000 | 26,205,000 |
| Equity capital | 8,377,000 | 8,658,000 | 8,870,000 | 9,019,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 837,000 | 1,785,000 | 2,567,000 | 3,334,000 |
| Interest expense | 73,000 | 131,000 | 184,000 | 231,000 |
| Net interest income | 764,000 | 1,654,000 | 2,383,000 | 3,103,000 |
| Noninterest income | 102,000 | 193,000 | 303,000 | 407,000 |
| Noninterest expense | 666,000 | 1,394,000 | 2,079,000 | 2,754,000 |
| Provision for loan losses | 10,000 | 100,000 | 115,000 | 117,000 |
| Pretax income | 190,000 | 353,000 | 492,000 | 639,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 190,000 | 353,000 | 492,000 | 639,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,712,000 | 7,875,000 | 8,014,000 | 8,161,000 |