Call reports 2010
ROCKFORD BANK AND TRUST COMPANY — 2010
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 271,238,000 | 280,692,000 | 274,911,000 | 271,379,000 |
| Total loans | 215,155,000 | 209,704,000 | 205,431,000 | 203,397,000 |
| Allowance for loan losses | 3,698,000 | 3,354,000 | 3,086,000 | 3,190,000 |
| Securities available for sale | 34,390,000 | 46,335,000 | 46,371,000 | 43,431,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 199,044,000 | 205,088,000 | 196,293,000 | 198,461,000 |
| Interest-bearing deposits | 176,765,000 | 179,711,000 | 170,358,000 | 168,138,000 |
| Noninterest-bearing deposits | 22,279,000 | 25,377,000 | 25,935,000 | 30,323,000 |
| Equity capital | 30,746,000 | 31,190,000 | 31,404,000 | 31,171,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 3,231,000 | 6,458,000 | 9,639,000 | 12,745,000 |
| Interest expense | 1,272,000 | 2,567,000 | 3,704,000 | 4,703,000 |
| Net interest income | 1,959,000 | 3,891,000 | 5,935,000 | 8,042,000 |
| Noninterest income | 219,000 | 591,000 | 1,066,000 | 1,335,000 |
| Noninterest expense | 1,739,000 | 3,624,000 | 5,558,000 | 7,396,000 |
| Provision for loan losses | 27,000 | 27,000 | 270,000 | 806,000 |
| Pretax income | 412,000 | 831,000 | 1,173,000 | 1,175,000 |
| Income tax | 131,000 | 265,000 | 374,000 | 364,000 |
| Net income | 281,000 | 566,000 | 799,000 | 811,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,641,000 | 30,925,000 | 31,159,000 | 31,171,000 |
| Total capital | 33,358,000 | 33,595,000 | 33,898,000 | 33,852,000 |
| Risk-weighted assets | 216,344,000 | 212,951,000 | 218,806,000 | 213,990,000 |
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