Call reports 2011
ROCKFORD BANK AND TRUST COMPANY — 2011
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2011, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Total assets | 272,275,000 | 280,132,000 | 287,574,000 | 294,383,000 |
| Total loans | 207,253,000 | 221,550,000 | 226,220,000 | 229,242,000 |
| Allowance for loan losses | 3,109,000 | 2,979,000 | 3,807,000 | 4,051,000 |
| Securities available for sale | 37,767,000 | 32,952,000 | 38,115,000 | 37,840,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 197,159,000 | 206,490,000 | 208,673,000 | 221,873,000 |
| Interest-bearing deposits | 167,727,000 | 178,781,000 | 177,637,000 | 185,942,000 |
| Noninterest-bearing deposits | 29,432,000 | 27,709,000 | 31,036,000 | 35,931,000 |
| Equity capital | 31,316,000 | 31,421,000 | 33,014,000 | 33,395,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Interest income | 2,963,000 | 6,040,000 | 9,260,000 | 12,523,000 |
| Interest expense | 884,000 | 1,753,000 | 2,617,000 | 3,435,000 |
| Net interest income | 2,079,000 | 4,287,000 | 6,643,000 | 9,088,000 |
| Noninterest income | 413,000 | 683,000 | 946,000 | 1,270,000 |
| Noninterest expense | 1,903,000 | 3,792,000 | 5,814,000 | 7,747,000 |
| Provision for loan losses | 253,000 | 877,000 | 1,925,000 | 2,226,000 |
| Pretax income | 336,000 | 450,000 | -1,000 | 534,000 |
| Income tax | 105,000 | 127,000 | -49,000 | 122,000 |
| Net income | 231,000 | 323,000 | 48,000 | 412,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2011Q1 | 2011Q2 | 2011Q3 | 2011Q4 |
|---|---|---|---|---|
| Tier 1 capital | 31,402,000 | 31,493,000 | 32,913,000 | 33,277,000 |
| Total capital | 34,125,000 | 34,365,000 | 35,878,000 | 36,259,000 |
| Risk-weighted assets | 217,465,000 | 229,657,000 | 236,341,000 | 237,517,000 |
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