Call reports 2012
ROCKFORD BANK AND TRUST COMPANY — 2012
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2012, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Total assets | 312,596,000 | 301,190,000 | 299,948,000 | 313,825,000 |
| Total loans | 233,994,000 | 224,482,000 | 225,920,000 | 236,042,000 |
| Allowance for loan losses | 4,055,000 | 4,327,000 | 4,288,000 | 4,243,000 |
| Securities available for sale | 52,856,000 | 52,963,000 | 52,382,000 | 51,215,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 237,410,000 | 224,393,000 | 226,393,000 | 230,231,000 |
| Interest-bearing deposits | 193,537,000 | 179,681,000 | 182,817,000 | 191,817,000 |
| Noninterest-bearing deposits | 43,873,000 | 44,712,000 | 43,576,000 | 38,414,000 |
| Equity capital | 33,603,000 | 34,118,000 | 33,836,000 | 34,111,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Interest income | 3,196,000 | 6,391,000 | 9,424,000 | 12,422,000 |
| Interest expense | 763,000 | 1,500,000 | 2,164,000 | 2,791,000 |
| Net interest income | 2,433,000 | 4,891,000 | 7,260,000 | 9,631,000 |
| Noninterest income | 42,000 | 616,000 | 608,000 | 1,084,000 |
| Noninterest expense | 1,968,000 | 4,106,000 | 6,314,000 | 8,400,000 |
| Provision for loan losses | 35,000 | 466,000 | 1,312,000 | 1,568,000 |
| Pretax income | 472,000 | 960,000 | 267,000 | 772,000 |
| Income tax | 146,000 | 298,000 | 37,000 | 179,000 |
| Net income | 326,000 | 662,000 | 230,000 | 593,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2012Q1 | 2012Q2 | 2012Q3 | 2012Q4 |
|---|---|---|---|---|
| Tier 1 capital | 33,603,000 | 33,939,000 | 33,506,000 | 33,870,000 |
| Total capital | 36,642,000 | 36,867,000 | 36,428,000 | 36,894,000 |
| Risk-weighted assets | 242,073,000 | 232,841,000 | 232,410,000 | 240,690,000 |
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