Call reports 2016
ROCKFORD BANK AND TRUST COMPANY — 2016
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2016, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Total assets | 367,032,000 | 402,157,000 | 393,244,000 | 391,219,000 |
| Total loans | 294,266,000 | 305,141,000 | 311,545,000 | 313,321,000 |
| Allowance for loan losses | 4,440,000 | 4,670,000 | 4,916,000 | 4,922,000 |
| Securities available for sale | 23,722,000 | 23,713,000 | 22,066,000 | 22,751,000 |
| Securities held to maturity | 17,484,000 | 26,220,000 | 27,661,000 | 25,276,000 |
| Trading assets | 232,000 | 146,000 | 385,000 | 234,000 |
| Total deposits | 278,129,000 | 296,613,000 | 294,196,000 | 311,558,000 |
| Interest-bearing deposits | 220,278,000 | 213,182,000 | 226,294,000 | 238,629,000 |
| Noninterest-bearing deposits | 57,851,000 | 83,431,000 | 67,902,000 | 72,929,000 |
| Equity capital | 34,085,000 | 34,903,000 | 35,776,000 | 36,524,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Interest income | 3,347,000 | 6,728,000 | 10,250,000 | 13,749,000 |
| Interest expense | 435,000 | 871,000 | 1,336,000 | 1,861,000 |
| Net interest income | 2,912,000 | 5,857,000 | 8,914,000 | 11,888,000 |
| Noninterest income | 681,000 | 1,561,000 | 2,517,000 | 3,451,000 |
| Noninterest expense | 2,485,000 | 4,969,000 | 7,484,000 | 10,060,000 |
| Provision for loan losses | 300,000 | 600,000 | 800,000 | 900,000 |
| Pretax income | 818,000 | 1,859,000 | 3,157,000 | 4,389,000 |
| Income tax | 208,000 | 496,000 | 851,000 | 1,187,000 |
| Net income | 610,000 | 1,363,000 | 2,306,000 | 3,202,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2016Q1 | 2016Q2 | 2016Q3 | 2016Q4 |
|---|---|---|---|---|
| Tier 1 capital | 35,125,000 | 35,877,000 | 36,821,000 | 37,716,000 |
| Total capital | 39,196,000 | 40,108,000 | 41,130,000 | 42,007,000 |
| Risk-weighted assets | 325,313,000 | 338,013,000 | 344,115,000 | 342,623,000 |