Call reports 2017
ROCKFORD BANK AND TRUST COMPANY — 2017
What ROCKFORD BANK AND TRUST COMPANY reported to the FFIEC in 2017, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Total assets | 398,514,000 | 426,160,000 | 445,182,000 | 461,733,000 |
| Total loans | 319,813,000 | 336,534,000 | 355,075,000 | 364,686,000 |
| Allowance for loan losses | 5,064,000 | 5,363,000 | 5,396,000 | 5,494,000 |
| Securities available for sale | 22,281,000 | 21,867,000 | 21,331,000 | 20,456,000 |
| Securities held to maturity | 27,667,000 | 36,987,000 | 38,286,000 | 41,574,000 |
| Trading assets | 275,000 | 211,000 | 206,000 | 304,000 |
| Total deposits | 312,819,000 | 346,893,000 | 358,942,000 | 382,009,000 |
| Interest-bearing deposits | 243,033,000 | 276,712,000 | 284,215,000 | 302,726,000 |
| Noninterest-bearing deposits | 69,786,000 | 70,181,000 | 74,727,000 | 79,283,000 |
| Equity capital | 37,434,000 | 38,343,000 | 39,146,000 | 39,493,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Interest income | 3,539,000 | 7,301,000 | 11,391,000 | 15,741,000 |
| Interest expense | 571,000 | 1,238,000 | 2,082,000 | 3,033,000 |
| Net interest income | 2,968,000 | 6,063,000 | 9,309,000 | 12,708,000 |
| Noninterest income | 740,000 | 1,555,000 | 2,355,000 | 3,450,000 |
| Noninterest expense | 2,452,000 | 4,992,000 | 7,998,000 | 10,688,000 |
| Provision for loan losses | 150,000 | 459,000 | 631,000 | 728,000 |
| Pretax income | 1,106,000 | 2,167,000 | 3,035,000 | 4,738,000 |
| Income tax | 274,000 | 499,000 | 630,000 | 2,040,000 |
| Net income | 832,000 | 1,668,000 | 2,405,000 | 2,698,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2017Q1 | 2017Q2 | 2017Q3 | 2017Q4 |
|---|---|---|---|---|
| Tier 1 capital | 38,548,000 | 39,384,000 | 40,120,000 | 40,615,000 |
| Total capital | 42,916,000 | 44,068,000 | 45,031,000 | 45,684,000 |
| Risk-weighted assets | 348,712,000 | 374,028,000 | 392,425,000 | 405,161,000 |