Call reports 2015
ROCKFORD BANK AND TRUST COMPANY — 2015
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 354,995,000 | 364,241,000 | 360,348,000 | 367,473,000 |
| Total loans | 276,076,000 | 285,943,000 | 284,703,000 | 293,526,000 |
| Allowance for loan losses | 3,978,000 | 4,154,000 | 4,256,000 | 4,249,000 |
| Securities available for sale | 24,111,000 | 24,070,000 | 24,047,000 | 23,495,000 |
| Securities held to maturity | 19,658,000 | 18,979,000 | 18,690,000 | 18,068,000 |
| Trading assets | 0 | 0 | 0 | 108,000 |
| Total deposits | 242,670,000 | 260,375,000 | 254,055,000 | 272,354,000 |
| Interest-bearing deposits | 191,580,000 | 207,479,000 | 198,051,000 | 208,062,000 |
| Noninterest-bearing deposits | 51,090,000 | 52,896,000 | 56,004,000 | 64,292,000 |
| Equity capital | 32,137,000 | 32,513,000 | 33,223,000 | 33,535,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 3,109,000 | 6,285,000 | 9,563,000 | 12,808,000 |
| Interest expense | 475,000 | 967,000 | 1,473,000 | 1,953,000 |
| Net interest income | 2,634,000 | 5,318,000 | 8,090,000 | 10,855,000 |
| Noninterest income | 726,000 | 1,532,000 | 2,536,000 | 2,954,000 |
| Noninterest expense | 2,569,000 | 5,272,000 | 7,747,000 | 10,182,000 |
| Provision for loan losses | 228,000 | 403,000 | 578,000 | 754,000 |
| Pretax income | 595,000 | 1,203,000 | 2,329,000 | 2,901,000 |
| Income tax | 130,000 | 265,000 | 592,000 | 712,000 |
| Net income | 465,000 | 938,000 | 1,737,000 | 2,189,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 32,790,000 | 33,838,000 | 34,062,000 | 34,514,000 |
| Total capital | 36,624,000 | 37,885,000 | 37,980,000 | 38,544,000 |
| Risk-weighted assets | 306,783,000 | 323,634,000 | 313,085,000 | 322,156,000 |