Call reports 2008
ROCKFORD BANK AND TRUST COMPANY — 2008
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2008, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Total assets | 171,684,000 | 190,405,000 | 216,160,000 | 228,828,000 |
| Total loans | 141,856,000 | 157,239,000 | 170,797,000 | 191,639,000 |
| Allowance for loan losses | 1,697,000 | 1,937,000 | 2,011,000 | 3,716,000 |
| Securities available for sale | 17,062,000 | 17,343,000 | 17,269,000 | 20,572,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 128,830,000 | 140,026,000 | 171,124,000 | 180,179,000 |
| Interest-bearing deposits | 119,090,000 | 128,333,000 | 158,987,000 | 167,668,000 |
| Noninterest-bearing deposits | 9,740,000 | 11,693,000 | 12,137,000 | 12,511,000 |
| Equity capital | 14,596,000 | 16,895,000 | 19,026,000 | 19,267,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Interest income | 2,543,000 | 5,181,000 | 8,042,000 | 11,007,000 |
| Interest expense | 1,472,000 | 2,872,000 | 4,400,000 | 6,035,000 |
| Net interest income | 1,071,000 | 2,309,000 | 3,642,000 | 4,972,000 |
| Noninterest income | 294,000 | 562,000 | 787,000 | 1,010,000 |
| Noninterest expense | 1,274,000 | 2,613,000 | 4,016,000 | 5,462,000 |
| Provision for loan losses | 180,000 | 429,000 | 689,000 | 3,044,000 |
| Pretax income | -89,000 | -171,000 | -276,000 | -2,524,000 |
| Income tax | -43,000 | -83,000 | -130,000 | -917,000 |
| Net income | -46,000 | -88,000 | -146,000 | -1,607,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2008Q1 | 2008Q2 | 2008Q3 | 2008Q4 |
|---|---|---|---|---|
| Tier 1 capital | 14,254,000 | 16,712,000 | 18,904,000 | 18,943,000 |
| Total capital | 15,951,000 | 18,649,000 | 20,915,000 | 21,483,000 |
| Risk-weighted assets | 154,324,000 | 170,663,000 | 188,203,000 | 202,020,000 |
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