Call reports 2014
ROCKFORD BANK AND TRUST COMPANY — 2014
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2014, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Total assets | 346,365,000 | 351,310,000 | 346,503,000 | 355,896,000 |
| Total loans | 258,804,000 | 258,304,000 | 261,174,000 | 271,658,000 |
| Allowance for loan losses | 4,044,000 | 3,895,000 | 3,906,000 | 4,100,000 |
| Securities available for sale | 37,412,000 | 37,546,000 | 30,173,000 | 30,257,000 |
| Securities held to maturity | 18,969,000 | 18,872,000 | 19,710,000 | 19,160,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 240,049,000 | 236,326,000 | 234,057,000 | 234,206,000 |
| Interest-bearing deposits | 199,467,000 | 192,668,000 | 188,845,000 | 181,072,000 |
| Noninterest-bearing deposits | 40,582,000 | 43,658,000 | 45,212,000 | 53,134,000 |
| Equity capital | 30,090,000 | 30,708,000 | 31,067,000 | 31,681,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Interest income | 2,986,000 | 6,069,000 | 9,167,000 | 12,286,000 |
| Interest expense | 510,000 | 1,016,000 | 1,530,000 | 2,024,000 |
| Net interest income | 2,476,000 | 5,053,000 | 7,637,000 | 10,262,000 |
| Noninterest income | 705,000 | 1,544,000 | 2,299,000 | 3,066,000 |
| Noninterest expense | 2,513,000 | 5,020,000 | 7,341,000 | 9,736,000 |
| Provision for loan losses | 185,000 | 376,000 | 498,000 | 1,151,000 |
| Pretax income | 483,000 | 1,201,000 | 2,069,000 | 2,413,000 |
| Income tax | 94,000 | 268,000 | 515,000 | 535,000 |
| Net income | 389,000 | 933,000 | 1,554,000 | 1,878,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2014Q1 | 2014Q2 | 2014Q3 | 2014Q4 |
|---|---|---|---|---|
| Tier 1 capital | 30,838,000 | 31,381,000 | 32,002,000 | 32,325,000 |
| Total capital | 34,245,000 | 34,805,000 | 35,467,000 | 35,906,000 |
| Risk-weighted assets | 271,892,000 | 273,434,000 | 276,766,000 | 285,940,000 |
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