Call reports 2023
ROCKY MOUNTAIN BANK AND TRUST — 2023
What ROCKY MOUNTAIN BANK AND TRUST reported to the FFIEC in 2023, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Total assets | 107,186,000 | 122,245,000 | 120,359,000 | 142,361,000 |
| Total loans | 58,315,000 | 57,105,000 | 54,055,000 | 55,255,000 |
| Allowance for loan losses | 791,000 | 804,000 | 770,000 | 792,000 |
| Securities available for sale | 40,689,000 | 40,224,000 | 43,937,000 | 47,750,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 92,728,000 | 91,430,000 | 89,167,000 | 100,891,000 |
| Interest-bearing deposits | 50,809,000 | 56,827,000 | 57,642,000 | 54,116,000 |
| Noninterest-bearing deposits | 41,919,000 | 34,603,000 | 31,525,000 | 46,775,000 |
| Equity capital | 9,888,000 | 10,076,000 | 10,068,000 | 10,642,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Interest income | 1,352,000 | 2,878,000 | 4,390,000 | 6,048,000 |
| Interest expense | 124,000 | 491,000 | 919,000 | 1,464,000 |
| Net interest income | 1,228,000 | 2,387,000 | 3,471,000 | 4,584,000 |
| Noninterest income | 128,000 | 263,000 | 434,000 | 566,000 |
| Noninterest expense | 754,000 | 1,513,000 | 2,325,000 | 3,284,000 |
| Provision for loan losses | 50,000 | 80,000 | 180,000 | 200,000 |
| Pretax income | 552,000 | 1,057,000 | 1,395,000 | 1,666,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 552,000 | 1,057,000 | 1,395,000 | 1,666,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2023Q1 | 2023Q2 | 2023Q3 | 2023Q4 |
|---|---|---|---|---|
| Tier 1 capital | 12,213,000 | 12,717,000 | 13,055,000 | 12,827,000 |
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