Call reports 2009
ROCKFORD BANK AND TRUST COMPANY — 2009
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 234,880,000 | 256,285,000 | 252,840,000 | 266,781,000 |
| Total loans | 200,031,000 | 200,470,000 | 207,109,000 | 210,417,000 |
| Allowance for loan losses | 4,781,000 | 4,734,000 | 4,673,000 | 3,691,000 |
| Securities available for sale | 20,534,000 | 29,451,000 | 29,504,000 | 34,252,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 184,145,000 | 198,581,000 | 188,947,000 | 204,129,000 |
| Interest-bearing deposits | 168,624,000 | 176,769,000 | 171,614,000 | 178,997,000 |
| Noninterest-bearing deposits | 15,521,000 | 21,812,000 | 17,333,000 | 25,132,000 |
| Equity capital | 21,642,000 | 23,187,000 | 25,687,000 | 27,631,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 3,082,000 | 6,227,000 | 9,423,000 | 12,625,000 |
| Interest expense | 1,604,000 | 3,219,000 | 4,725,000 | 6,134,000 |
| Net interest income | 1,478,000 | 3,008,000 | 4,698,000 | 6,491,000 |
| Noninterest income | 313,000 | 629,000 | 866,000 | 1,036,000 |
| Noninterest expense | 1,614,000 | 3,337,000 | 5,343,000 | 7,011,000 |
| Provision for loan losses | 1,061,000 | 2,386,000 | 3,144,000 | 3,987,000 |
| Pretax income | -884,000 | -2,086,000 | -2,923,000 | -3,471,000 |
| Income tax | -320,000 | -751,000 | -1,054,000 | -1,253,000 |
| Net income | -564,000 | -1,335,000 | -1,869,000 | -2,218,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 21,380,000 | 23,043,000 | 25,509,000 | 27,660,000 |
| Total capital | 24,016,000 | 25,713,000 | 28,207,000 | 30,402,000 |
| Risk-weighted assets | 208,764,000 | 211,565,000 | 213,838,000 | 218,375,000 |
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