Call reports 2022
ROCKY MOUNTAIN BANK AND TRUST — 2022
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 99,548,000 | 103,638,000 | 114,392,000 | 110,521,000 |
| Total loans | 44,817,000 | 48,499,000 | 55,825,000 | 56,668,000 |
| Allowance for loan losses | 688,000 | 691,000 | 712,000 | 740,000 |
| Securities available for sale | 30,712,000 | 35,814,000 | 39,789,000 | 40,585,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 91,295,000 | 93,593,000 | 105,613,000 | 101,181,000 |
| Interest-bearing deposits | 58,696,000 | 60,827,000 | 65,095,000 | 55,836,000 |
| Noninterest-bearing deposits | 32,599,000 | 32,766,000 | 40,518,000 | 45,345,000 |
| Equity capital | 7,690,000 | 9,086,000 | 8,276,000 | 8,854,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 773,000 | 1,683,000 | 2,751,000 | 4,002,000 |
| Interest expense | 26,000 | 58,000 | 99,000 | 191,000 |
| Net interest income | 747,000 | 1,625,000 | 2,652,000 | 3,811,000 |
| Noninterest income | 93,000 | 201,000 | 302,000 | 397,000 |
| Noninterest expense | 732,000 | 1,481,000 | 2,243,000 | 3,090,000 |
| Provision for loan losses | 0 | 0 | 20,000 | 50,000 |
| Pretax income | 108,000 | 345,000 | 691,000 | 1,068,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 108,000 | 345,000 | 691,000 | 1,068,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 8,701,000 | 10,938,000 | 11,284,000 | 11,661,000 |