Call reports 2013
ROCKFORD BANK AND TRUST COMPANY — 2013
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2013, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Total assets | 322,544,000 | 333,997,000 | 333,804,000 | 339,375,000 |
| Total loans | 243,115,000 | 252,932,000 | 249,252,000 | 251,586,000 |
| Allowance for loan losses | 4,442,000 | 4,974,000 | 4,742,000 | 3,824,000 |
| Securities available for sale | 53,028,000 | 41,237,000 | 38,190,000 | 37,217,000 |
| Securities held to maturity | 4,064,000 | 12,048,000 | 17,171,000 | 18,729,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 241,460,000 | 241,707,000 | 238,007,000 | 244,703,000 |
| Interest-bearing deposits | 200,600,000 | 204,718,000 | 198,233,000 | 198,647,000 |
| Noninterest-bearing deposits | 40,860,000 | 36,989,000 | 39,774,000 | 46,056,000 |
| Equity capital | 34,230,000 | 33,724,000 | 34,070,000 | 34,290,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Interest income | 2,885,000 | 5,885,000 | 8,847,000 | 11,851,000 |
| Interest expense | 580,000 | 1,145,000 | 1,686,000 | 2,206,000 |
| Net interest income | 2,305,000 | 4,740,000 | 7,161,000 | 9,645,000 |
| Noninterest income | 454,000 | 1,275,000 | 1,985,000 | 2,710,000 |
| Noninterest expense | 2,121,000 | 4,330,000 | 6,853,000 | 9,245,000 |
| Provision for loan losses | 400,000 | 800,000 | 912,000 | 1,008,000 |
| Pretax income | 238,000 | 901,000 | 1,383,000 | 2,104,000 |
| Income tax | 49,000 | 236,000 | 341,000 | 525,000 |
| Net income | 189,000 | 665,000 | 1,042,000 | 1,579,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2013Q1 | 2013Q2 | 2013Q3 | 2013Q4 |
|---|---|---|---|---|
| Tier 1 capital | 34,059,000 | 34,535,000 | 34,912,000 | 35,449,000 |
| Total capital | 37,162,000 | 37,768,000 | 38,165,000 | 38,778,000 |
| Risk-weighted assets | 246,922,000 | 256,859,000 | 258,714,000 | 265,785,000 |
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